Senior Credit Risk & Strategy Analyst Credit Card Strategy
On-siteAtlanta, Georgia, United States
Job Summary
Partner with Credit, Marketing, and Finance teams to develop data-driven strategies balancing growth, profitability, and customer outcomes. Own analytical initiatives end-to-end by framing business questions, designing analyses using SQL, SAS, and Python, and translating insights into actionable recommendations. Drive credit strategy and performance by evaluating acquisition, underwriting, and line management strategies to optimize risk-adjusted returns. Support marketing efficiency through campaign performance analysis and segmentation to improve acquisition economics. Contribute to financial planning by forecasting P&L impacts and monitoring portfolio trends to inform investment decisions. Present findings to senior leaders using data storytelling to drive alignment across teams. Forecast P&L impacts, monitor portfolio trends, and partner with Finance to inform investment and growth decisions.
Required Qualifications
- Bachelor's degree in a quantitative or analytical field (e.g., Mathematics, Economics, Finance, Statistics, Engineering, or Data Science).
- 4-6 years of experience in financial analytics, consulting, or business strategy (preferably within financial services or unsecured consumer lending products).
- Proficiency in SQL & Excel; experience with Python, R, or similar analytical tools.
- Strong problem-solving, quantitative, and critical-thinking skills.
- Possess credit card financial modeling skills with understanding of P&L interdependence and profitability drivers.
- Excellent communication skills with the ability to influence cross-functional stakeholders.
- Experience with balance build initiatives such as purchase promotional rates and balance transfers.
Desired Qualifications
- Master's degree in a quantitative or business discipline.
- Experience in credit cards, lending, or other data-rich consumer finance businesses.
- Familiarity with experimentation (A/B testing), marketing analytics, portfolio management or financial analytics.
- Experience building dashboards and visualizations (Tableau, Power BI).
- Comfort working in fast-paced, high-growth environments where priorities evolve quickly.
- Experience with credit card rewards programs, including rewards economics, customer engagement strategies, or loyalty program optimization.
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