{"@context":"https://schema.org","@type":"JobPosting","directApply":"https://schema.org/False","title":"Credit Strategy Analyst","description":"

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.

Duties & Responsibilities

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

Requirements - Development

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, PowerBI, 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

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

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!

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