Staff Credit Data Analyst - Cards

Self Financial•Austin, TX

3d•$101,000 - $150,000

About The Position

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings. We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve. Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit. We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool. About the Role We are growing our Credit Card product offering and seeking a Credit Strategy Data Analyst with strong analytical skills and experience working in credit risk across the credit card lifecycle. This role supports the design and analysis of data foundations, reporting, strategies, and models to improve underwriting and portfolio lifecycle credit risk management for the Card product. You’ll be instrumental in shaping strategies that balance growth and portfolio credit risk.

Requirements

Degree in Computer Science, Statistics, Economics, Finance, or related area. An advanced degree is a plus.
4+ years of experience in credit card credit risk analytics. Fintech experience is a plus.
Experience working with credit bureau data for modelling, segmentation, and benchmarking.
Experience with customer targeting and prescreen campaigns.
Proficiency in SQL and Python (or similar tools).
Familiarity with data automation tools such as AWS Glue, Airflow, and DBT.
Experience with visualization tools such as Tableau (strongly preferred), Power BI, Looker.
Strong skills with Excel or Google spreadsheets.
Exposure to experimentation design and tracking.
Experience cleaning, joining, and analyzing large datasets in a cloud data warehouse environment (i.e. Snowflake, BigQuery, Redshift).
Strong analytical mindset and attention to data quality.
Ability to translate data findings into clear recommendations.
Curiosity, ownership mindset, and comfort working in a fast-moving environment.
Collaborative approach and willingness to learn new data tools and risk frameworks.

Nice To Haves

Bonus points for subprime market experience or exposure to alternative credit data.

Responsibilities

Support the design and monitoring of Card underwriting strategies, credit line increase programs, and portfolio performance metrics.
Analyze performance of underwriting strategies and identify opportunities to improve accuracy and reduce losses.
Execute and monitor recurring credit strategy programs such as credit line increases, acquisition campaigns, and prescreen processing.
Support champion/challenger tests and experiment design for various lifecycle credit strategies.
Assist in designing exposure limits, eligibility rules, and acquisition criteria.
Query, clean, and analyze large datasets using SQL and Python.
Design data assets and dashboards to track customer behavior and credit performance.
Build automations of routine data and reporting processes.
Perform EDA, feature engineering, advanced segmentation, and data quality checks to gain insights and improve predictive attributes.
Evaluate alternative data sources (such as open-banking data) and help design business processes to incorporate into decisioning flows.
Assist in managing and tracking credit risk model performance.
Partner with Product/Engineering to implement updates to policies and decisioning logic.
Translate analytical findings into clear recommendations for credit policies.
Create robust documentation of credit strategies and decisioning workflows.
Support the coordination of various initiatives with credit bureaus.
Package insights into crisp narratives and presentations for stakeholders.