Senior Credit Strategy Analyst

Mikinok Enterprises • Minneapolis, MN

5h

About The Position

The Senior Credit Strategy Analyst will drive credit strategies for Mikinok Enterprises’ subprime consumer lending portfolio, balancing growth, profitability, and losses. The role leads strategy development across the customer life cycle, from acquisition and underwriting through collections and recovery. It involves designing experiments and analytical frameworks to support significant business decisions and moving strategies from hypothesis to production on short timelines.

The analyst partners with Data Science, Engineering, Project Management, and Operations to turn insights into scalable credit strategies that improve portfolio performance. The position also contributes to model development and monitoring, communicates recommendations to senior leadership, and mentors junior analysts while helping establish analytical best practices for the credit team.

Requirements

• Bachelor’s degree in an analytical or quantitative field such as Mathematics, Physics, Statistics, Engineering, or Computer Science, from a competitive school.
• At least 3 years of experience driving analytical projects and insights.
• At least 3 years of strong SQL proficiency and/or experience using Python for analysis.
• At least 2 years of experience with advanced Microsoft Excel or Google Sheets analytics tools, including spreadsheet formulas, pivot tables, statistical add-ins, VBA, and data management and merging tools.
• Demonstrated experience analyzing data to draw business-relevant conclusions and using data visualization techniques and tools.
• Ability to work in a fast-paced, collaborative environment.
• Strong interpersonal, leadership, and communication skills.
• Must be authorized to work for any employer in the United States; the company is unable to sponsor or take over sponsorship of an employment visa.

Nice To Haves

• Advanced degree in an analytical or quantitative field such as Mathematics, Physics, Statistics, Engineering, or Computer Science, from a competitive school.
• At least 5 years of experience in complex, data-driven problem solving, ideally in financial services, consulting, or a credit bureau.
• Hands-on experience with credit bureau, alternative data, lead generation, and behavioral performance data.
• Deep understanding of subprime credit dynamics, including volatility, adverse selection, and risk layering.
• Exposure to collections strategy or recovery optimization.

Responsibilities

• Design, implement, and optimize strategies spanning marketing, underwriting, model monitoring, fraud, loan sizing and terms, collections, and recovery.
• Own policy development and changes, including testing, rollout, and post-implementation monitoring.
• Analyze portfolio performance using SQL, Python, and BI/OLS to identify trends, risks, and opportunities in account acquisition costs, defaults, delinquencies, losses, 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 design of experiments, across the customer life cycle to identify causal drivers of losses, delinquencies, and recovery rates.
• Partner with Data Science on model development, performance assessments, and alignment of models with strategies across the customer life cycle.
• Translate technical findings into clear recommendations for senior leadership and present at company-wide quarterly business reviews.
• Mentor junior analysts and help establish data analytics best practices for the credit team.

Benefits

• Competitive salary and bonus structure.
• Generous employee benefits plan, including robust healthcare plans, matching 401(k), and four weeks of PTO.
• Company-sponsored professional development and training opportunities.

What This Job Offers

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