Senior Strategy Analyst

Mikinok Enterprises • Minneapolis, MN

13h

About The Position

Mikinok Enterprises has revolutionized the emergency loan market by using sophisticated machine learning (artificial intelligence) and big data to detect fraud and predict payback.
We’re looking for a Senior Credit Strategy Analyst to drive credit strategies for Mikinok’s subprime consumer lending portfolio. This role is critical to balancing growth, profitability, and losses in a fast-moving environment. You’ll lead strategy development projects across marketing, underwriting, and collections - using data, testing, and sound risk judgement.
You’ll partner closely with Data Science, Engineering, Project, and Operations teams to translate insight into scalable credit strategies that materially impact portfolio performance

Requirements

• Bachelor's Degree in an analytical/quantitative field (Math, Physics, Statistics, Engineering, Computer Science) from a highly competitive school.
• Elite quantitative & analytical skills. Proven ability to drive analytical projects and insights (3+ years experience)
• Strong proficiency and in SQL and experience using Python for analysis (3+ years)
• Experience using advanced Microsoft Excel or Google Sheets analytics tools (spreadsheet formulas, pivot tables, statistical add-ins, VBA, data management and merging tools) (2+ years)
• Demonstrated experience in analyzing data to draw business-relevant conclusions and in data visualization techniques and tools.
• Ability to work in a fast-paced, collaborative environment
• Strong interpersonal, leadership, and communication skills

Nice To Haves

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

Responsibilities

• Design, implement, and optimize credit strategies across marketing, underwriting, fraud, loan amount and term assignment, and collections
• 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 within key metrics
• Cost for new account originated
• Default rates, Delinquency rates
• Loss rates and unit economics
• Repeat behavior and churn
• Identify emerging risks and upsides. Recommend proactive strategy adjustments
• Build and evaluate test-and-learn experiments (A/B tests, DOE) across the customer life-cycle, while controlling downside risks
• Partner with Data Science on model development, performance assessments, and model-strategy alignment across customer life-cycle
• Prepare and present recommendations to senior leadership; present project insights & updates at company-wide quarterly business reviews (QBR)
• Mentor junior analysts and help establish best practice in data analytics for credit team

Benefits

• The opportunity to help bring much-needed income and economic development to the Turtle Mountain Band of Chippewa Indians
• 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: Mid Level