Credit Strategy Analyst

Credit Strategy Analyst

Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.

We offer a flexible work experience, top-tier benefits, and growth opportunities in a culture built on our core values:

• Put People First We foster an inclusive, flexible, and fun workplace.
• Create Clarity Open communication drives trust and results.
• Get Things Done We focus, prioritize, and deliver with excellence.
• Deliver with Heart We lead with kindness, humility, and strong teamwork.
• Listen to Our Customers Their needs drive our innovation.

We are looking for collaborative, innovative team players who like to solve problems. If you're inspired by inspiring others and want to make a real difference, Best Egg is the place for you. We're proud to be an equal opportunity employer committed to building a diverse, inclusive team.

We are seeking an experienced Credit Strategy Manager to drive the growth of our home-secured personal loan portfolio. This role focuses on underwriting, pricing, loan amount & fee decisions across all acquisition channels, driving strategy improvement, innovation, and investor returns. The ideal candidate will bring expertise in lending, applying credit models, and data-driven decision-making to help us expand our market share while maintaining robust risk controls.

This is a full-time, permanent position with competitive benefits and upward mobility. If you call yourself a self-starter who can work in any environment and enjoy every day bringing unique challenges and opportunities, then you will thrive in this role.

• This individual will be responsible for monitoring, refining, and developing Credit strategies (including underwriting, pricing, loan amount & fees) for home secured personal loans.
• Create test/control champion/challenger tests and monitoring to inform future strategies.
• Provide scenario analysis/create financial impact sizing/develop new strategy test case.
• Perform ad-hoc analytics, create reporting and presentations.
• Work across functional areas to drive overall growth, product enhancements, and improve web funnel conversion rates across all channels.
• Partner with Decision Science to define and develop Credit models and tools.
• Maintain overall risk and return targets for investors, particularly in a changing economic environment.

• 5-7+ years' experience in a similar analytical role.
• Bachelor's Degree in Statistics, Mathematics, Operational Research, Engineering, other quantitative major required;
  Master's degree a plus.
• Experience in the financial industry, credit risk and mortgage/home equity experience required.
• Must be proficient in Python or similar, SQL, and MS Excel.
• Must be proficient in interpreting data using analytics, research methodologies, and statistical techniques.
• Previous experience with Business Intelligence reporting (e.g. Tableau, Power
  
  BI, etc) is desirable.
• Excellent English written/verbal communication skills, critical thinking and interpersonal skills.
• Highly independent and self-motivated to form opinions that are supported by data.
• Strong knowledge of modeling tools and techniques and use in strategy.
• Ability to understand competitive pressure, economic trends and their business impacts.
• High Energy with ability to work in a fast-paced environment.

• Comfortable interacting and engaging with colleagues from all levels of management across all business units and third-party vendors.
• Demonstrated technical leadership skills including self-direction, coaching, and mentoring.
• Highly motivated, well organized, capable of developing and executing business analysis, and able to communicate status and results effectively.

• Ability to succeed within a cross-functional team emphasizing Collective Ownership in a fast-paced environment.
• Ability to work effectively both independently and as a team member.
• Be confident and willing to challenge status quo, but also willing to concede and execute other's ideas when necessary.
• Capable of teaching and learning from others to promote continuity of knowledge and personal development.
• Cultivate good working relationships with other business units, particularly Marketing, Operations, and Finance.

$130,000 - $160,000 a year. In addition to semi-monthly salary payments, this position is also eligible for an annual incentive bonus based on individual and company performance. The yearly incentive bonus target is 20%.

Best Egg offers many additional benefits for our employees, including (but not limited to):

• Pre-tax and post-tax retirement savings plans with a competitive company matching program
• Generous paid time-off plans including vacation, personal/sick time, paid short-term and long-term disability leaves, paid…