Credit Strategy Analyst

Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.

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At Best Egg, you’ll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence —enhanced by Barclays’ commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people’s financial lives._

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With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique._

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We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us._

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We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team._

As we recently integrated with Barclays, our initial focus is on candidates who are local to the Philadelphia, Delaware, New Jersey, and New York areas.

Additionally, beginning in June 2027, employees who live within a 50-mile radius of the office will be expected to work on-site three days per week as part of our hybrid work model.

This role owns processes, models, and assumptions used to estimate expected credit losses for credit strategy calibration, capital and reporting purposes. You will partner closely with Credit Strategy, Capital Markets, and Data teams to ensure forecasts are accurate, explainable, and aligned with business expectations.

Core Responsibilities

• Lead development, improvement and monitoring of processes for payment default and balance persistency guidance for personal loans
• Own forward looking guidance and performance outcomes of material portfolio segments
• Provide scenario analysis and financial impact sizing from changes in credit underwriting and pricing policy.
• Assess macroeconomic trends and adjust expectations accordingly
• Partner with Capital Markets, Credit Strategy on return targets
• Ensure decision logic is scalable, compliant, and operationally sound
• Escalate emerging risks with clear analysis and recommendations
• Maintain governance standards and strategy documentation
• Mentor junior team members and promote best practices

Scope and Autonomy

• Operate with high independence and strategic judgment
• Influence major underwriting and pricing strategy changes
• Support highly complex, cross-functional initiatives
• Balance growth, risk, profitability, and regulatory considerations

Required Qualifications

• Bachelor’s degree in quantitative field or equivalent experience
• 6–10 years in credit risk, loss forecasting or portfolio analytics
• Expertise in forecasting payment default behavior and balance persistency for lending products
• Advanced analytical expertise and business judgment
• Proven ability to influence senior stakeholders

What Success Looks Like

• Clear ownership of processes and process outcomes
• Trusted cross-functional partnership
• Demonstrated leadership and mentorship impact

Employee Benefits Best Egg offers many additional benefits for our employees, including (but not limited to): ·       Pre-tax and post-tax retirement savings plans with a competitive company matching program ·       Generous paid time-off plans including vacation, personal/sick time, paid short-- term and long-term disability leaves, paid parental leave, and paid company holidays ·       Multiple health care plans to choose from, including dental and vision options ·       Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts ·       Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs ·       Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!     In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy  here