Quantitative Analyst, Credit Strategy

BHG Financial; United States; Remote; USD 60,000 - 80,000; Full time

Job summary

A financial services leader in the United States is seeking an analytical professional to support credit policy development and conduct data analysis. The ideal candidate has a Bachelor's degree in a quantitative field and relevant experience in the financial industry. This role offers opportunities for personal growth and professional development in a supportive environment.

Benefits

Medical/Rx/Dental/Vision coverage

Competitive PTO and vacation policies

Company 401(k) plan with employer contributions

Company-sponsored training and certification opportunities

Quarterly award ceremonies

Qualifications

• 1-3 years of relevant work experience in analytical projects and reporting, preferably in the Financial Services industry.
• Understanding of retail and small business loan products, preferably unsecured loans and credit cards.
• Familiarity with credit strategies, risk, and pricing.

Responsibilities

• Support the design, testing, and refinement of credit strategies, underwriting rules, and decisioning models.
• Conduct deep-dive analyses on credit performance and borrower behavior using SQL and Python.
• Develop dashboards and reporting frameworks for credit risk metrics.

Skills

Analytical skills

Problem-solving

Data analysis

Stakeholder management

Communication

Education

Bachelor's degree in Computer Science, Math, Physics, Engineering, or related fields

Tools

SQL

Python

Power BI

Excel

PowerPoint

Job description

Are you ready to join a growing team that puts a premium on productivity and has an award-winning culture centered around transforming talented employees into effective business leaders? Then BHG Financial is the place for you.

In 2001, we started with an idea, an opportunity, and $25,000. Back then, our focus was strictly on serving those in the medical industry. With healthcare in our heritage, we soon expanded to serve high-earning professionals in many other industries, providing all with leading-edge financial solutions, including our extensive network of community banks.

Today, BHG Financial has firmly established its legacy as a leader in the financial services space. Founded on the philosophy of a better way to borrow, we are dedicated to helping accomplished professionals, small businesses, and institutions build upon their success through innovative financial solutions, a hassle-free process, and personalized concierge service.

Our relentless commitment to the success of our customers is part of what has made BHG Financial thrive. We take a 360-degree view of our customers to tailor the best solutions for their financial aspirations. Today\'s professionals have multiple sources of income, not just their paycheck. Therefore, it is essential to factor those in when making responsible lending decisions. Our continued focus on data, analytics, and proprietary modeling has enabled faster funding for our customers.

From business to personal loans to relationships with community banks, the country’s top professionals and business owners rely on us for our exceptional financial solutions and concierge service to continue their success and legacy.

Who You Are

You are a motivated, analytical professional who is passionate about independent thinking and problem-solving. You excel at understanding and interpreting risk and have experience with data analysis, predictive analytics, and reporting. You are a self-motivated problem solver and thrive in a fast-paced environment where you will own a transformational road map and have 100% accountability to execute.

What You\'ll Do

• Credit Policy & Strategy Development: Support the design, testing, and refinement of credit strategies, underwriting rules, and decisioning models across consumer and/or commercial lending portfolios.
• Data Analysis & Reporting: Conduct deep-dive analyses on credit performance, borrower behavior, and portfolio trends using SQL and Python.
• Risk Monitoring: Develop dashboards and reporting frameworks to monitor credit risk metrics, delinquency, loss rates, and profitability.
• Experimentation & Testing: Partner with product and operations teams to execute A/B tests and measure the impact of new credit policies, marketing strategies, or borrower segments.
• Model Support: Collaborate with data science teams to integrate new risk models and ensure alignment with credit policy and regulatory requirements.
• Stakeholder Communication: Present actionable insights and recommendations to senior management, risk committees, and cross-functional teams.
• Process Automation: Build automated workflows and analytical tools to improve efficiency in reporting and decision-making.

What You\'ll Need

• Bachelor’s degree in Computer Science, Math, Physics, Engineering or related quantitative fields
• Strong analytical, problem-solving, and critical thinking skills
• 1-3 years of relevant work experience in analytical projects and reporting, preferably in the Financial Services industry
• Understanding of retail and small business loan products, preferably unsecured loans and credit cards
• Understanding of profitability drivers for loan and credit card products, including interest rate structure, cost of funds, operating expenses, fees, and loss
• Familiarity with credit strategies, risk, and pricing is preferred. Deep understanding of risk and profitability management for the entire customer life-cycle
• Proficient with SQL, R, Python, Power BI, Excel, and PowerPoint
• Strong stakeholder management experiences
• Ability to develop roadmaps and prioritize workload
• Experiences with designing and implementing A/B tests
• Ability to initiate and drive projects to completion with minimal guidance
• Strong written and verbal communications

Life at BHG Financial

At BHG Financial, we work hard and aren’t afraid to take risks. Since the beginning, our core values of PMA (positive mental attitude), team player, and loyalty have been the driving force behind every interaction we have between each other and our customers. We have a healthy respect for the daily grind, yet we value work/life balance. We believe that all employees should have the opportunity to lead and that good ideas can come from anyone. From the top down, our leaders are actively involved not only in strategic oversight and running the business, but also in the well-being and growth of all employees. We consider people our #1 asset, and help employees realize their full potential, set and exceed their goals, and explore new opportunities for personal and professional development.

Why You Should Join BHG Financial

We strive to offer amenities, opportunities, events, and programming that support the interests of our teams, while furthering the culture that makes us Great Place to Work® certified. Some of the benefits you can expect when you join BHG Financial include:

• Medical/Rx/Dental/Vision coverage for employees and their eligible family members
• Competitive PTO and vacation policies
• 1 Friday off each month for Wellness Weekends
• Company 401(k) plan with employer contributions after one year
• Company-sponsored training and certification opportunities
• Quarterly award ceremonies where top achievers are celebrated and receive additional bonuses
• Ongoing volunteer opportunities to give back to the community through our BHG Cares program

If you’re ready for a career where you can exercise your passions, be surrounded by co-workers who are relentlessly committed to service, and have a team-player mindset, apply today!

BHG Financial is committed to equal treatment and opportunity in all aspects of recruitment, selection, and employment without regard to gender, race, religion, national origin, ethnicity, disability, gender identity/expression, sexual orientation, veteran or military status, or any other category protected under the law. BHG Financial is an equal opportunity employer; committed to a community of inclusion, and an environment free from discrimination, harassment, and retaliation.