Credit Risk Analyst

Continental Finance Company; Wilmington (DE); Hybrid; USD 70,000 - 90,000; Full time

Benefits offered by this job

Competitive compensation

Hybrid work schedule

Business casual environment

Job summary

A leading financial technology firm is looking for a Data Analyst to support their Credit Risk team. This role involves executing direct mail and Invitation-To-Apply campaigns, performing credit risk analysis, and optimizing campaign performance. The ideal candidate will have a Bachelor’s degree in a quantitative field and 1-3 years of relevant experience, with proficiency in SQL and programming languages like Python or SAS. The company offers competitive compensation and benefits and a hybrid work schedule.

Qualifications

• 1-3 years of analytical and/or data programming experience is required.
• Consumer lending or credit card industry experience is preferred.
• Proficiency in at least one programming language (Python or SAS) is necessary.

Responsibilities

• Execute end-to-end direct mail and ITA campaigns.
• Perform credit risk analysis to support targeting and offer strategy.
• Monitor campaign performance indicators and trends.

Skills

SQL

Python

SAS

Quantitative analysis

Problem-solving

Education

Bachelor’s degree in quantitative fields

Job description

Come join a growing financial technology company that’s leading the marketplace in both the marketing and servicing of credit cards! Continental Finance Company specializes in credit card options for those consumers with less than perfect credit. We are seeking a Data Analyst to support our Credit Risk team.

Seeking a Data Analyst to support direct mail and Invitation-To-Apply (ITA) acquisition campaigns through targeting, list processing and execution, and credit risk performance analysis, helping drive efficient growth while maintaining strong portfolio performance.

Essential Functions:

• Execute end-to-end direct mail and ITA campaigns, including selection of prospective customers, list processing, and file delivery.
• Perform credit risk analysis to support targeting, offer strategy, and campaign decisioning.
• Monitor campaign performance, including response, approval, and early credit indicators.
• Identify, analyze, and report production trends to management.
• Partner with Marketing, Operations, IT to ensure accurate and timely campaign execution.
• Leverage credit bureau data, models, and new data sources to enhance targeting and credit risk strategies.
• Support test-and-learn initiatives and deliver actionable insights to optimize campaign performance.
• Maintain documentation and ensure data accuracy, controls, and compliance with internal policies.

The ideal candidate will have the following:

• Bachelor’s degree in quantitative fields such as Mathematics, Finance, Economics, or related discipline required.
• 1-3 years of analytical and/or data programming experience; consumer lending or credit card industry experience preferred.
• Proficiency in SQL and at least one programming language (Python or SAS).
• Strong quantitative and problem‑solving skills
• Strong work ethic with the ability to learn quickly and communicate effectively

Why Continental Finance?

Continental Finance Company (the “CFC”) is one of America’s leading marketers and servicers of credit cards for consumers with less-than-perfect credit. Since our founding in 2005, we have prided ourselves on corporate responsibility to customers in terms of a strong customer support program and fair treatment. With our success, we have also grown into an innovative financial tech company! With a state-of-the-art consumer marketing and servicing platform, we provide a variety of services to consumers when other financial institutions will not accommodate them. With more than 2.6 million credit cards managed and served since our founding, we pride ourselves on putting the customer first. We are not a chartered banking financial institution, nor are we a debt originator or a credit card issuer.

CFC is an equal opportunity employer that is committed to inclusion and diversity. Our company provides equal employment opportunity (EEO) regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or veteran status.

CFC is seeking bright, energetic individuals that will help us grow and develop together! We uphold a promise to treat our employees with the same care and concern as we do our customers. We offer all employees competitive compensation and benefits in an exciting, fast-paced business casual environment. Join our growing team and apply online today!

CFC offers a hybrid work schedule which includes three (3) core days in the office (Tuesday, Wednesday, and Thursday) and two (2) remote workdays (Monday and Friday).