Credit Strategy Analyst

Best Egg • Wilmington, DE

2d • $100,000 - $140,000

About The Position

Best Egg, now part of Barclays, is a technology-enabled financial platform offering lending solutions and financial health tools. The company combines a fintech’s agility and customer focus with Barclays’ global reach and stability, and emphasizes putting people first, clarity, excellence, integrity, inclusion, and long-term impact.

The Credit Strategy Analyst will drive growth of Best Egg’s home-secured personal loan portfolio. The role focuses on underwriting, pricing, loan amount, and fee decisions across acquisition channels, with the goal of improving strategy, supporting innovation, growing market share, and maintaining robust risk controls and investor returns. The analyst will monitor, refine, and develop credit strategies; design and evaluate strategy tests; analyze financial impacts; and work with cross-functional partners, including Decision Science, to develop credit models and tools.

This is a full-time, permanent position with competitive benefits and opportunities for upward mobility.

Requirements

• 5–7 or more years of experience in a similar analytical role.
• Bachelor’s degree in Statistics, Mathematics, Operations Research, Engineering, or another quantitative major.
• Experience in the financial industry, credit risk, and mortgage or home equity lending.
• Proficiency in Python or a similar language, SQL, and Microsoft Excel.
• Proficiency interpreting data using analytics, research methodologies, and statistical techniques.
• Strong knowledge of modeling tools and techniques and their use in strategy.
• Excellent written and verbal English communication, critical-thinking, and interpersonal skills.
• Ability to work independently, be self-motivated, and form opinions supported by data.
• Ability to understand competitive pressures, economic trends, and their business impacts.
• Ability to work in a fast-paced environment.
• Comfort interacting with colleagues at all management levels across business units and with third-party vendors.
• Technical leadership skills, including self-direction, coaching, and mentoring.
• Strong organization and business-analysis skills, including developing and executing analyses and communicating results.
• Ability to succeed in a cross-functional team, work independently and collaboratively, and exercise collective ownership.
• Confidence challenging the status quo while remaining willing to consider and execute others’ ideas.
• Ability to cultivate good working relationships with other business units, particularly Marketing, Operations, and Finance.

Nice To Haves

• Master’s degree.
• Experience with business intelligence reporting tools such as Tableau or Power BI.

Responsibilities

• Monitor, refine, and develop credit strategies for home-secured personal loans, including underwriting, pricing, loan amounts, and fees.
• Create champion/challenger test and control strategies and monitor results to inform future strategies.
• Perform scenario analysis, size financial impacts, and develop new strategy test cases.
• Conduct ad-hoc analytics and create reporting and presentations.
• Work across functional areas to drive growth, product enhancements, and improved web-funnel conversion rates across channels.
• Partner with Decision Science to define and develop credit models and tools.
• Maintain investor risk and return targets, particularly in changing economic conditions.
• Communicate analysis status and results effectively, and support knowledge continuity through teaching and learning.

Benefits

• Pre-tax and post-tax retirement savings plans with a company matching program.
• Paid time off, including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays.
• Multiple healthcare plans, including dental and vision options.
• Flexible Spending Plans for healthcare and dependent care, and Health Reimbursement Accounts.
• Company-paid life insurance, wellness platforms, employee assistance programs, and Health Advocate programs.
• Discounted identity theft protection, pet insurance, and fitness center reimbursements.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level