Credit Strategy Analyst
Posted 21 Aug 2026
Advertised as “Senior Credit Strategy Analyst”
BranchFactor Summary
The original posting with the fluff stripped out
- Expected experience
- 3+ yrs
- Management level
- People management
- Contract
- Full-time
- Visa sponsorship
- Not offered
No salary listed for this role.
Field of studyComputer Science, Engineering, Mathematics, Physics, Statistics
Study levelBachelor's
Field of studyComputer Science, Engineering, Mathematics, Physics, Statistics
Study levelMaster's
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 from marketing and underwriting through collections and recovery. This is a high-autonomy, high-ownership role where you'll design experiments, build analytical frameworks that drive multi-million-dollar decisions, and see your work move from hypothesis to production in weeks, not quarters.
You’ll partner closely with Data Science, Engineering, Project Management, and Operations teams to translate insight into scalable credit strategies that materially impact portfolio performance
In this role, you will...
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Design, implement, and optimize strategies spanning recovery, underwriting, model monitoring, fraud, loan sizing/terms, and — especially — marketing, where disciplined segmentation and treatment testing directly move the bottom line
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Own policy development and changes including testing, rollout, and post-implementation monitoring
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Analyze portfolio performance using SQL/Python and BI to OLS to identify trends, risks, and opportunities within key metrics
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Cost for new account originated
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Default rates, Delinquency rates
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Loss rates and unit economics
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Repeat behavior and churn
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Recommend proactive strategy adjustments based on identified emerging risks and upsides.
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Build and evaluate test-and-learn experiments (A/B tests, DOE) across the customer life-cycle by isolating causal drivers of loss, delinquency, and recovery rates to control downside risk
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Partner with Data Science on model development, performance assessments, and model-strategy alignment across customer life-cycle
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Translate technical findings into clear recommendations for senior leadership and present at company-wide quarterly business reviews (QBR)
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Mentor junior analysts and help establish best practice in data analytics for credit team
Requirements
Mandatory Qualifications
- Bachelor's Degree in an analytical/quantitative field (Math, Physics, Statistics, Engineering, Computer Science) from a competitive school.