Senior Credit Strategy Analyst - Home Secured/Super Prime UW
About the role
Job Description
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.
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.
We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.
Role Summary
The Senior Credit Strategy Analyst will be a critical member of the Credit team and will be responsible for using a combination of data and credit experience to optimize credit strategies for personal loans. Responsibilities include maximizing Underwriting and Loan amount decisions across acquisition channels, driving strategy improvement and innovation, monitoring of Champion/Challenger data while maintaining investor returns.
Duties & Responsibilities
- Monitor, refine and develop Credit strategies (including underwriting and loan amount) for personal loans
- Create test/control champion/challenger tests and monitoring to inform future strategies
- Provide scenario analysis/create financial impact sizing/develop new strategy test case
- Perform ad-hoc analytics, create reporting and presentations
- Work across functional areas to drive overall growth, product enhancements, and improve web funnel conversion rates across all channels
- Partner with Decision Science to define and develop Credit models and tools
- Maintain overall risk and return targets for investors particularly in a changing economic environment
Requirements - Development
- 5+ years experience in a similar analytical role
- Bachelor’s Degree in Statistics, Mathematics, Operational Research, Engineering, other quantitative major required; Master’s degree a plus
- Experience in financial industry, credit risk required; online lending, near-prime, sub-prime is a plus
- Must be proficient in Python or similar, SQL, and MS Excel
- Must be proficient in interpreting data using analytics, research methodologies, and statistical techniques
- Previous experience with Business Intelligence reporting (e.g. Tableau, PowerBI, etc) is desirable
- Excellent English written/verbal communication skills, critical thinking and interpersonal skills
- Highly independent and self-motivated to forming opinions that are supported by data
- Strong knowledge of modeling tools and techniques and use in strategy
- Ability to understand competitive pressure, economic trends and their business impacts
- High Energy with ability to work in a fast-paced environment
Requirements - Leadership
- Comfortable interacting and engaging with colleagues from all levels of management across all business units and third-party vendors
- Demonstrated technical leadership skills including self-direction