Senior Credit Strategy Analyst

Mikinok Enterprises • San Diego, CA

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 in a fast-moving environment. The role leads strategy development from acquisition and underwriting through collections and recovery. It offers substantial autonomy and ownership, including designing experiments and analytical frameworks that inform significant business decisions and move from hypothesis to production quickly.

The analyst partners with Data Science, Engineering, Project Management, and Operations to turn insights into scalable credit strategies that affect portfolio performance. The role also involves communicating recommendations to senior leadership, presenting at quarterly business reviews, 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 and a proven ability to drive analytical projects and insights, with 3 or more years of experience.
• Strong proficiency in SQL and/or experience using Python for analysis, with 3 or more 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.
• Authorization to work for any employer in the United States; the company cannot sponsor or take over sponsorship of an employment visa.

Nice To Haves

• Advanced degree in an analytical or quantitative field such as Math, Physics, Statistics, Engineering, or Computer Science, from a competitive school.
• Five or more years of experience in complex, data-driven problem solving, ideally in financial services, consulting, or at 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 for marketing, underwriting, model monitoring, fraud, loan sizing and terms, collections, and recovery.
• Develop and manage credit policies and policy changes, including testing, rollout, and post-implementation monitoring.
• Analyze portfolio performance using SQL, Python, and BI tools to identify trends, risks, and opportunities across origination costs, default and delinquency rates, losses and unit economics, repeat behavior, and churn.
• Recommend proactive strategy adjustments in response to 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 loss, delinquency, and recovery.
• Partner with Data Science on model development, performance assessments, and alignment between models and 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 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