Senior Credit Strategy Analyst

Mikinok Enterprises • Belcourt, ND

5h

About The Position

Mikinok Enterprises is seeking a Senior Credit Strategy Analyst to drive credit strategies for its subprime consumer lending portfolio, balancing growth, profitability, and losses. The role leads strategy development from acquisition and underwriting through collections and recovery, with a high degree of autonomy and ownership. The analyst will design experiments and analytical frameworks that inform significant business decisions and help move strategies from hypothesis to production quickly.

The position partners with Data Science, Engineering, Project Management, and Operations to turn analytical insights into scalable strategies that improve portfolio performance. It also involves developing and monitoring policies, analyzing portfolio metrics, recommending strategy changes, coordinating model strategy with Data Science, communicating findings to senior leadership, and mentoring junior analysts.

Requirements

• Bachelor’s degree in an analytical or quantitative field such as Math, Physics, Statistics, Engineering, or Computer Science, from a competitive school.
• Elite quantitative and analytical skills, with proven ability to drive analytical projects and insights; at least 3 years of experience.
• Strong proficiency in SQL and/or experience using Python for analysis; at least 3 years of experience.
• At least 2 years of experience using 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; visa sponsorship is not available.

Nice To Haves

• Advanced degree in an analytical or quantitative field such as Math, 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 across 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 tools to identify trends, risks, and opportunities in key metrics, including cost per new account originated, default and delinquency rates, loss rates and 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 life cycle to isolate causal drivers of loss, delinquency, and recovery rates.
• Partner with Data Science on model development, performance assessments, and model-strategy alignment 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 401K, and four weeks of PTO.
• Company-sponsored professional development and training opportunities.

What This Job Offers

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