Credit Strategy Analyst

Best Egg•Wilmington, NC

About The Position

Best Egg, now part of Barclays, is seeking an experienced Credit Strategy Analyst to support growth of its home-secured personal loan portfolio. The role focuses on underwriting, pricing, loan amount, and fee decisions across acquisition channels, while improving strategy, encouraging innovation, and supporting investor returns. The analyst will use lending expertise, credit models, and data-driven decision-making to help expand market share while maintaining robust risk controls. This is a full-time, permanent position with competitive benefits and opportunities for career growth.

Requirements

5–7+ years of experience in a similar analytical role.
Bachelor’s degree in Statistics, Mathematics, Operational Research, Engineering, or another quantitative major.
Experience in the financial industry, credit risk, and mortgage or home equity.
Proficiency in Python or a similar language, SQL, and Microsoft Excel.
Proficiency in interpreting data using analytics, research methodologies, and statistical techniques.
Excellent written and verbal English communication, critical thinking, and interpersonal skills.
Ability to work independently and form opinions supported by data.
Strong knowledge of modeling tools and techniques and their use in strategy.
Ability to understand competitive pressures, economic trends, and their business impacts.
Ability to work in a fast-paced environment.
Ability to engage with colleagues at all management levels across business units and third-party vendors.
Self-direction and demonstrated technical leadership, including coaching and mentoring.
Strong organization and motivation, with the ability to develop and execute business analysis and communicate status and results.
Ability to work independently and as part of a cross-functional team emphasizing collective ownership.
Confidence in challenging the status quo, alongside willingness to consider and execute others’ ideas when appropriate.
Ability to teach and learn from others to support knowledge continuity and personal development.
Ability to cultivate effective working relationships across business units.

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 and monitor test/control and champion/challenger experiments to inform future strategies.
Conduct scenario analyses, size financial impacts, and develop new strategy test cases.
Perform ad hoc analytics and create reports and presentations.
Work across functional areas to drive growth, product enhancements, and improved web funnel conversion across channels.
Partner with Decision Science to define and develop credit models and tools.
Maintain overall investor risk and return targets, particularly amid changing economic conditions.
Build working relationships with other business units, particularly Marketing, Operations, and Finance.
Provide technical leadership, including coaching and mentoring, and communicate analysis status and results effectively.

Benefits

Retirement savings plans with a competitive company match.
Paid time off, including vacation and personal/sick time.
Paid short-term and long-term disability leaves.
Paid parental leave.
Paid company holidays.
Multiple healthcare plans, including dental and vision options.
Flexible Spending Plans for Health Care and Dependent Care, and Health Reimbursement Accounts.
Company-paid life insurance.
Wellness platforms.
Employee assistance programs.
Health Advocate programs.
Discounted identity theft protection.
Pet insurance.
Fitness center reimbursements.