Credit Card Strategy & Risk Analytics Lead

Atlanticus; Wilmington (DE); On-site; USD 110,000 - 140,000; Full time

Benefits offered by this job

Generous PTO and holidays

401(k) with company match

Employee stock purchase plan

Ongoing training

Job summary

Atlanticus seeks a Senior Credit Risk & Strategy Analyst to blend analytical rigor with business strategy across a growing credit card portfolio. You will own end-to-end analyses, partner with senior leaders, and influence growth, profitability, and customer outcomes in a fast-paced analytics environment.

Based in Wilmington, DE, you’ll engage across Credit, Marketing, and Finance to optimize risk-adjusted returns.

Qualifications

• 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 communication skills with the ability to influence cross-functional stakeholders.
• Experience with balance build initiatives such as purchase promotional rates and balance transfers.

Responsibilities

• 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 existing portfolio 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.

Skills

SQL

Excel

Python

R

Education

Bachelor's degree in quantitative or analytical field

Master's degree (preferred)

Tools

SQL

Excel

Python

R

Job description

Atlanticus seeks a Senior Credit Risk & Strategy Analyst to blend analytical rigor with business strategy across a growing credit card portfolio. You will own end-to-end analyses, partner with senior leaders, and influence growth, profitability, and customer outcomes in a fast-paced analytics environment.

Based in Wilmington, DE, you’ll engage across Credit, Marketing, and Finance to optimize risk-adjusted returns.