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Credit Strategy Data Analyst
Location
Texas
Posted
145 days ago
Salary
$101K - $150K / year
Seniority
Senior
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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