Senior Credit Risk & Strategy Analyst

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in 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.

Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products.

These products include retail and healthcare, private label credit and general‑purpose credit cards marketed through our omnichannel platform, including retail point‑of‑sale, healthcare point‑of‑care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non‑prime financial organizations with multiple financing and service programs.

• This Role will be in our 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.

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 – all while helping shape Atlanticus’s next stage of growth.

Because Atlanticus is a fast‑growing company, you’ll have broader ownership, greater visibility, and more flexibility than at larger institutions. Analysts here are not confined to narrow lanes – you’ll own your analyses end‑to‑end, partner directly with senior leaders, and see your work influence major strategic decisions.

• Solve complex business problems: 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.
• Drive credit strategy and performance: Evaluate acquisition, underwriting, and line management strategies to optimize risk‑adjusted returns and portfolio health.
• Support marketing efficiency: Analyze campaign performance, segmentation, and targeting to improve acquisition economics and customer engagement.
• Contribute to financial planning: Forecast P&L impacts, monitor portfolio trends, and partner with Finance to inform investment and growth decisions.
• Influence with insight: Present findings to senior leaders, using data storytelling to drive alignment and decision‑making across teams.
• Innovate in a startup‑minded culture: 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.
• Possess credit card financial modeling skills with understanding of P&L interdependence and profitability drivers.
• Excellent…