Principal Analyst, Credit Cards
Principal Analyst, Credit Cards
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Job Description
Self Financial is a venture-backed high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.
Were looking for people who share our passion and are driven to tackle challenges find solutions and make the financial space better for the communities we serve.
Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most particularly the 100 million Americans who have no or low credit.
We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end we seek to recruit develop and retain the most talented people from a diverse candidate pool.
The Role
As the Principal Analyst for Credit Cards you will be the analytical engine and thought leader for our most significant and fastest-growing product line. You will partner closely with the Product Manager and GM for Credit Cards and report into the Analytics & Data Science team. This strategic role is distinct from our Credit Risk and Strategy functions; your focus is entirely on post-acquisition portfolio analyticsdriving customer engagement spend balance growth and P&L optimization for our existing cardmembers.
What You Will Do
- Architect Portfolio Growth Strategy: Architect and lead the analytical strategies that drive portfolio P&L and customer success. You will own the deep-dive analytics to increase spend and purchase activity foster organic balance growth analyze the impact of credit line management strategies on customer engagement and maximize the successful adoption and utilization of the card. Your work will directly connect product engagement to positive customer outcomes like credit score improvement.
- Serve as the Analytical Thought Leader: Own the narrative for credit card performance. You will define track and dissect key industry metrics (e.g. Active Rate Revolver Rate Spend per Active Line Utilization credit score migration) and build robust analytical frameworks to understand the why behind the trends delivering actionable recommendations to executive stakeholders.
- Expand BI Capabilities: Own the core reporting suites and BI dashboards for the credit card portfolio.
- Drive the Experimentation Roadmap: Lead a rigorous data-driven experimentation culture. You will partner with Product and Marketing to design execute and analyze complex experiments (A/B/n multivariate) to optimize everything from customer acquisition to balance growth strategies using causal inference to measure true impact.
- Influence Product and Growth Strategy: Work as a key strategic partner to Product and Marketing teams to build best-in-class products and create significant customer value. While you will collaborate with Credit & Risk by providing them with critical portfolio insights your direct influence will be on product development and growth strategies not underwriting or credit policy.
- Develop Predictive and Causal Insights: Move beyond correlation to understand causation. You will analyze complex large-scale datasets to model customer behavior such as predicting the likelihood of a customer becoming a transactor vs. revolver understanding the incremental impact of a credit line increase on spend and measuring the cards influence on a customers overall credit health.
- Mentor and Elevate the Team: As a senior member of the analytics community you will mentor junior analysts champion best practices and contribute to raising the overall analytical bar across the organization.
What You Bring
- Bachelors or Masters degree in a quantitative field such as Statistics Economics Finance Engineering Computer Science or a related discipline. PhD is a plus.
- 7 years of experience in an analytical role with a strong focus on secured and unsecured credit card portfolio analytics at a major financial institution or fintech company.
- Deep mastery of credit card economics and P&L mechanics. You can confidently model and articulate the financial impact of strategic initiatives on revenue and profitability.
- Proven track record of influencing product strategy and executive-level stakeholders. Your recommendations have led to measurable changes in business outcomes.
- Expert-level proficiency in SQL and experience working with modern large-scale data environments (e.g. Snowflake BigQuery AWS Databricks).
- Demonstrated expertise in BI and visualization tools (Tableau strongly preferred) with hands-on experience in data modeling building semantic layers and working with tools like dbt.
- Advanced proficiency in Python or R for statistical modeling machine learning and data science applications. You are skilled in techniques such as segmentation regression classification and causal inference.
- Exceptional ability to translate complex analytical concepts and findings into clear concise and compelling narratives for both technical and non-technical audiences.
- A proactive first-principles thinker with a strong ownership mindset comfortable with ambiguity and driven to find and solve the most impactful business problems.
Base salary is $00 annually. Individual pay is based on factors unique to each candidate including skill set experience and other job-related reasons.
Benefits and Perks:
We have the compensation and benefits you expect. But theres one thing that Self Financial can offer that many companies cannot: we can positively change the world while making a profit. We are a team of Builders empowering our customers to build their dreams. We have a Do the Right Thing ethos in all that we do and we hope you value that approach too.
Our perks include:
- 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
Self Financial requires all employees hired to successfully pass a background check.
We are an Equal Opportunity Employer.
At this time we are only able to consider applicants who are U.S. Citizens or Green Card Holders for employment opportunities. We appreciate your understanding.
Required Experience:
Staff IC
Employment Type
Full-Time
