Senior Credit Risk & Strategy Analyst

Senior Credit Risk & Strategy Analyst

Apply for the Senior Credit Risk & Strategy Analyst role at Mercury® Financial
.

Atlanticus is a fast‑growing, mission‑focused company committed to meeting the financial needs of middle‑class Americans. With a culture of collaboration and a one‑team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well‑being.

• This role will be in Wilmington, DE – Near the Riverfront, offering rich history, dining, entertainment, and shopping. With direct access to I‑95, Amtrak, and SEPTA, employees enjoy flexible living options.
• Other office locations:
  Atlanta, GA – located in the Queen Building (King & Queen Towers, Sandy Springs) with easy access to I‑285, GA‑400, and a free shuttle to MARTA;
  Austin, TX – situated in The Domain, a vibrant tech hub with park‑like surroundings.

We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You’ll be empowered to lead, grow, and make an impact.

At Atlanticus, we’re redefining how responsible credit can empower consumers. As a Senior Credit Risk & Strategy Analyst
, you’ll combine analytical rigor with business strategy to drive growth and profitability across our credit card portfolio. You’ll take on complex, cross‑functional challenges spanning credit risk, marketing optimization, customer experience, and financial performance—while helping shape Atlanticus’s next stage of growth.

• Partner with teams across Credit, Marketing, and Finance to develop data‑driven strategies that balance growth, profitability, and customer outcomes.
• Own analytical initiatives end‑to‑end: frame key business questions, design analyses, extract and synthesize data using SQL, SAS, and Python, and translate insights into actionable recommendations.
• Evaluate acquisition, underwriting, and line management strategies to optimize risk‑adjusted returns and portfolio health.
• Analyze campaign performance, segmentation, and targeting to improve acquisition economics and customer engagement.
• Forecast P&L impacts, monitor portfolio trends, and partner with Finance to inform investment and growth decisions.
• Present findings to senior leaders, using data storytelling to drive alignment and decision‑making across teams.
• Identify opportunities to improve processes, test new ideas, and help shape a growing analytics organization.

• Bachelor’s degree in a quantitative or analytical field (e.g., Mathematics, Economics, Finance, Statistics, Engineering, or Data Science).
• 4‑6 years of experience in financial analytics, consulting, or business strategy (preferably within financial services or unsecured consumer lending products).
• Proficiency in SQL & Excel; experience with Python, R, or similar analytical tools.
• Strong problem‑solving, quantitative, and critical‑thinking skills.
• Credit card financial modeling skills with understanding of P&L interdependence and profitability drivers.
• Excellent communication skills with the ability to influence cross‑functional stakeholders.

• Master’s degree in a quantitative or business discipline.
• Experience in credit cards, lending, or other data‑rich consumer finance businesses.
• Familiarity with experimentation (A/B testing), marketing analytics, portfolio management or financial analytics.
• Experience building dashboards and visualizations (Tableau, Power BI).
• Comfort working in fast‑paced, high‑growth environments where priorities evolve quickly.

• Broad impact: work across credit, marketing, and finance to drive holistic business outcomes.
• Ownership: enjoy end‑to‑end responsibility and autonomy to shape strategy, not just report on it.
• Entrepreneurial culture: be part of a nimble, innovative team where ideas move quickly from concept to execution.
• Visibility: collaborate directly with senior leaders, contributing to key portfolio and growth decisions.
• Learning and growth: develop diverse analytical skills while deepening your understanding of how a credit card business runs.

• Generous PTO and holiday schedule
• 401(k) with company match
• Employee stock purchase plan
• Ongoing training (lunch & learns, financial and health webinars)
• Team volunteer outings

Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.

Note:

Applicants must be authorized to work in the U.S. We do not sponsor employment visas.

Hiring for our Wilmington, DE and Austin, TX offices will be processed through Mercury Financial, a brand of Atlanticus.