Senior Credit Strategy Architect

Jobtailor; Minnesota; On-site; USD 110,000 - 170,000; Full time

Job summary

Jobtailor seeks a data-driven analyst to design and optimize cross-functional credit strategies. The role focuses on leveraging SQL and Python to assess portfolio performance, run experiments, and provide actionable insights to leadership.

You will collaborate with Data Science, Engineering, and Operations to develop scalable credit models, monitor outcomes, and mentor junior analysts. A strong background in finance, risk, and data visualization is essential.

Qualifications

• Bachelor's degree in analytical/quantitative field from a competitive school.
• Elite quantitative & analytical skills.
• Proven ability to drive analytical projects and insights (3+ years experience)
• Strong proficiency in SQL and/or experience using Python for analysis (3+ years)
• Experience using advanced Excel or Google Sheets analytics tools, including formulas, pivot tables, VBA (2+ years)
• Demonstrated experience in data analysis to draw business-relevant conclusions and in data visualization techniques and tools.
• Ability to work in a fast-paced, collaborative environment
• Strong interpersonal, leadership, and communication skills
• Authorized to work for any employer in the United States; visa sponsorship unavailable
• Advanced degree in analytical field (desired)
• 5+ years of data-driven problem solving in financial services, consulting, or credit bureau (desired)
• Hands-on experience with credit bureau, alternative data, lead generation, and behavioral data (desired)
• Deep understanding of sub-prime credit dynamics and risk layering (desired)
• Exposure to collections strategy or recovery optimization (desired)

Responsibilities

• Design, implement, and optimize strategies spanning marketing, underwriting, model monitoring, fraud, loan sizing/terms, collections, and recovery.
• Own policy development and changes, including testing, rollout, and post-implementation monitoring.
• Analyze portfolio performance using SQL/Python and BI to identify trends, risks, and opportunities within key metrics.
• Assess cost for new accounts originated, default rates, delinquency rates, loss rates, unit economics, repeat behavior, and churn.
• Recommend proactive strategy adjustments based on emerging risks and opportunities.
• Build and evaluate test-and-learn experiments, including A/B tests and DOE, across the customer lifecycle.
• Isolate causal drivers of loss, delinquency, and recovery rates to control downside risk.
• Partner with Data Science on model development, performance assessments, and model-strategy alignment across the customer lifecycle.
• Translate technical findings into recommendations for senior leadership.
• Present at company-wide quarterly business reviews (QBR)
• Mentor junior analysts and establish best practices in credit-team data analytics.
• Collaborate with Data Science, Engineering, Project Management, and Operations teams to develop scalable credit strategies

Skills

SQL Proficiency

Python Analysis

Data Visualization

A/B Testing

Credit Strategy

Data Analysis

Education

Bachelor's Degree

Tools

Microsoft Excel

Google Sheets

BI Tools

Data Science Collaboration

Job description

Jobtailor seeks a data-driven analyst to design and optimize cross-functional credit strategies. The role focuses on leveraging SQL and Python to assess portfolio performance, run experiments, and provide actionable insights to leadership.

You will collaborate with Data Science, Engineering, and Operations to develop scalable credit models, monitor outcomes, and mentor junior analysts. A strong background in finance, risk, and data visualization is essential.