Senior Credit Risk & Strategy Analyst Credit Card Strategy at Atlanticus in Wilmington, DE 19801

Job description

• Description
• Senior Credit Risk & Strategy Analyst – Credit Card Strategy
• At Atlanticus, we’re redefining how responsible credit can empower consumers. As a Senior Credit Risk & Strategy Analyst, you’ll combine analytical rigor with business strategy to drive growth and profitability across our credit card portfolio. You’ll take on complex, cross-functional challenges spanning credit risk, marketing optimization, customer experience, and financial performance - all while helping shape Atlanticus’s next stage of growth.
• Because Atlanticus is a fast-growing company, you’ll have broader ownership, greater visibility, and more flexibility than at larger institutions. Analysts here are not confined to narrow lanes - you’ll own your analyses end-to-end, partner directly with senior leaders, and see your work influence major strategic decisions.
• This isn’t just a job, it’s a place to lead, grow, and thrive. If you believe in your skills and drive, we’ll provide the resources and support to help you succeed.

Responsibilities

• Solve complex business problems: Partner with teams across Credit, Marketing, and Finance to develop data-driven strategies that balance growth, profitability, and customer outcomes.
• Own analytical initiatives end-to-end: Frame key business questions, design analyses, extract and synthesize data using SQL, SAS, and Python, and translate insights into actionable recommendations.
• Drive credit strategy and performance: Evaluate existing portfolio management strategies to optimize risk-adjusted returns and portfolio health.
• Support marketing efficiency: Analyze campaign performance, segmentation, and targeting to improve acquisition economics and customer engagement.
• Contribute to financial planning: Forecast P&L impacts, monitor portfolio trends, and partner with Finance to inform investment and growth decisions.
• Influence with insight: Present findings to senior leaders, using data storytelling to drive alignment and decision-making across teams.
• Innovate in a startup-minded culture: Identify opportunities to improve processes, test new ideas, and help shape a growing analytics organization.

Requirements

• You’re a great fit if you have
• Bachelor’s degree in a quantitative or analytical field (e.g., Mathematics, Economics, Finance, Statistics, Engineering, or Data Science).
• 4-6 years of experience in financial analytics, consulting, or business strategy (preferably within financial services or unsecured consumer lending products).
• Proficiency in SQL & Excel; experience with Python, R, or similar analytical tools.
• Strong problem-solving, quantitative, and critical-thinking skills.
• Possess credit card financial modeling skills with understanding of P&L interdependence and profitability drivers.
• Excellent communication skills with the ability to influence cross-functional stakeholders.
• Experience with balance build initiatives such as purchase promotional rates and balance transfers.
• Master’s degree in a quantitative or business discipline.
• Experience in credit cards, lending, or other data-rich consumer finance businesses.
• Familiarity with experimentation (A/B testing), marketing analytics, portfolio management or financial analytics.
• Comfort working in fast-paced, high-growth environments where priorities evolve quickly.
• Experience with credit card rewards programs, including rewards economics, customer engagement strategies, or loyalty program optimization.

Skills

Required

• SQL
• Excel
• Python
• R
• SAS
• Credit card financial modeling

Preferred

• Experimentation (A/B testing)
• Marketing analytics
• Portfolio management
• Financial analytics
• Credit card rewards programs
• Rewards economics
• Customer engagement strategies
• Loyalty program optimization