Senior Credit Strategy Analyst - Home Secured/Super Prime UW

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, you'll find a culture grounded in our core valuesputting people first, creating clarity, delivering with excellenceenhanced 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 people's 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.

We're looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.

We're proud to be an equal opportunity employer committed to building a diverse and inclusive team.

The Senior Credit Strategy Analyst will be a critical member of the Credit team and will be responsible for using a combination of data and credit experience to optimize credit strategies for personal loans. Responsibilities include maximizing underwriting and loan amount decisions across acquisition channels, driving strategy improvement and innovation, monitoring of Champion/Challenger data while maintaining investor returns.

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.

Duties & Responsibilities

• This individual will be responsible for monitoring, refining and developing credit strategies (including underwriting and loan amount) for 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

Requirements-Development

• 5+ 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 financial industry, credit risk required; online lending, near-prime, sub-prime is a plus
• 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, PowerBI, etc) is desirable
• Excellent English written/verbal communication skills, critical thinking and interpersonal skills
• Highly independent and self-motivated to forming 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

Requirements-Leadership

• 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

Requirements-Culture

• 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

$120,000 - $140,000 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