Senior Credit Strategy Analyst

Best Egg now part of Barclays is a market-leading tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company we combine the agility and customer focus of a fintech with the global reach stability and purpose of a leading financial institutionworking together to create a better financial future for our customers and communities.

At Best Egg youll find a culture grounded in our core valuesputting people first creating clarity delivering with excellence enhanced by Barclays commitment to integrity inclusion and long-term impact. Together we empower our colleagues to challenge innovate and take ownership while making a meaningful difference in peoples financial lives.

With the strength of Barclays behind us we offer expanded opportunities for growth development and career mobility across a global organizationwhile continuing to build the products and experiences that make Best Egg unique.

Were looking for collaborative curious problem-solvers who are excited to make an impact and grow with us.

Were proud to be an equal opportunity employer committed to building a diverse and inclusive team.

As we recently integrated with Barclays our initial focus is on candidates who are local to the Philadelphia Delaware New Jersey and New York areas.

Additionally beginning in June 2027 employees who live within a 50-mile radius of the office will be expected to work on-site three days per week as part of our hybrid work model.

This role owns processes models and assumptions used to estimate expected credit losses for credit strategy calibration capital and reporting purposes. You will partner closely with Credit Strategy Capital Markets and Data teams to ensure forecasts are accurate explainable and aligned with business expectations.

Core Responsibilities

• Lead development improvement and monitoring of processes for payment default and balance persistency guidance for personal loans
• Own forward looking guidance and performance outcomes of material portfolio segments
• Provide scenario analysis and financial impact sizing from changes in credit underwriting and pricing policy.
• Assess macroeconomic trends and adjust expectations accordingly
• Partner with Capital Markets Credit Strategy on return targets
• Ensure decision logic is scalable compliant and operationally sound
• Escalate emerging risks with clear analysis and recommendations
• Maintain governance standards and strategy documentation
• Mentor junior team members and promote best practices

Scope and Autonomy

• Operate with high independence and strategic judgment
• Influence major underwriting and pricing strategy changes
• Support highly complex cross-functional initiatives
• Balance growth risk profitability and regulatory considerations

Required Qualifications

• Bachelors degree in quantitative field or equivalent experience
• 610 years in credit risk loss forecasting or portfolio analytics
• Expertise in forecasting payment default behavior and balance persistency for lending products
• Advanced analytical expertise and business judgment
• Proven ability to influence senior stakeholders

What Success Looks Like

• Clear ownership of processes and process outcomes
• Trusted cross-functional partnership
• Demonstrated leadership and mentorship impact

$150000 - $160000 a year

Employee Benefits

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 parental leave and paid company

holidays

Multiple health care plans to choose from including dental and vision options

Flexible Spending Plans for Health Care Dependent Care and Health

Reimbursement Accounts

Company-paid benefits such as life insurance wellness platforms employee

assistance programs and Health Advocate programs

Other great discounted benefits include identity theft protection pet insurance

fitness center reimbursements and many more!

In compliance with the CCPA Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here

Required Experience:

Senior IC