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Self Financial, Inc. logo
Self Financial, Inc.

Build credit. Build savings. Build dreams.

Credit Strategy Data Analyst

Data AnalystData AnalystOtherRemoteSeniorTeam 51-200Since 2015H1B No SponsorCompany SiteLinkedIn

Location

Texas

Posted

145 days ago

Salary

$101K - $150K / year

Seniority

Senior

Bachelor Degree5 yrs expEnglishAmazon RedshiftBigQueryPythonSQLTableau

Job Description

Credit Strategy Data Analyst

Self Financial, Inc.

• Support design and monitoring of EWA underwriting strategies and forecasting tools. • Translate analytical findings into clear recommendations for credit policies. • Support champion/challenger tests and experiment design for EWA risk strategies. • Assist in designing exposure limits, eligibility rules, and verification checks. • Query, clean, and analyze large bank transaction datasets using SQL and Python, or R/SAS). • Build dashboards, reports and durable data assets to track customer behavior and credit performance. • Perform EDA, feature engineering, and data quality checks to drive trusted insights. • Prepare model inputs, evaluate new data sources (including open-banking data), and track model performance. • Analyze performance of underwriting strategies and identify opportunities to improve accuracy and reduce losses. • Learn and introduce new analytical tools and techniques relevant to credit risk. • Partner with Product, Engineering, Data Science, and Operations to implement updates to policies and decisioning logic. • Support the coordination of initiatives with data suppliers. • Package insights into crisp narratives and presentations for stakeholders.

Job Requirements

  • Degree in Engineering, Computer Science, Statistics, Economics, Finance, or related; or equivalent experience. Advanced degree is a plus.
  • 5+ years of analytics/data science experience.
  • 2+ years of experience in consumer lending, fintech, or banking credit risk (subprime experience is a plus).
  • Exposure to earned wage access, overdraft-alternatives, or cash-flow-based lending products is a strong plus.
  • Experience working with bank transaction data and other very large financial datasets.
  • Proficiency in SQL and at least one analytical language (Python preferred; R or SAS acceptable).
  • Experience with visualization tools such as Tableau (preferred), Power BI, Looker; strong skills with Excel/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).
  • Familiarity with open-banking data supplier integrations is desirable (i.e. Plaid, MX, Finicity).

Benefits

  • Company equity in the form of Stock Options
  • Performance-based bonuses
  • Generous employer-paid health, vision and dental insurance coverage
  • Flexible vacation policy
  • Educational assistance
  • Free gym membership
  • Casual dress code
  • Team building events and activities
  • Remote work arrangements/ flexible work schedule
  • Paid parental leave

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