Credit Strategy Manager I
Job Location:
Wilmington, DE - USA
Yearly Salary:
Posted:
Application Deadline:
Vacancies:
Job Summary
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 institutionworking together to create a better financial future for our customers and communities.
At Best Egg youll find a culture grounded in our core valuesputting 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 peoples financial lives.
With the strength of Barclays behind us we offer expanded opportunities for growth development and career mobility across a global organizationwhile continuing to build the products and experiences that make Best Egg unique.
Were looking for collaborative curious problem-solvers who are excited to make an impact and grow with us.
Were proud to be an equal opportunity employer committed to building a diverse and inclusive team.
We are seeking a Credit Strategy Manager I to execute monitor and optimize underwriting risk-based pricing offer and yield management strategies for our consumer lending products. This role owns defined components of credit pricing or channel strategy translating risk appetite profitability objectives and business goals into decisioning logic segmentation pricing tiers offer structures and operational rules while partnering cross-functionally to ensure accurate implementation. The ideal candidate brings strong analytical rigor commercial judgment and a data-driven mindset to improve risk-adjusted yield manage risk and drive continuous strategy enhancements within established frameworks.
- Execute and refine underwriting line assignment risk-based pricing and offer strategies
- Translate pricing and credit strategy into decisioning logic segmentation frameworks pricing tiers and operational rules
- Partner with Finance Product Marketing Compliance Fair Lending Operations and other cross-functional stakeholders to ensure pricing and credit strategies are accurately implemented
- Design and evaluate champion/challenger tests related to APRs fees promotional offers loan terms line assignments and offer structures
- Assess customer price sensitivity and conversion elasticity across segments risk bands products and acquisition channels
- Prepare regular reporting on credit performance and strategy effectiveness
- Identify performance drivers and recommend targeted pricing yield and credit strategy enhancements
- Own defined components of credit pricing or channel strategy end-to-end from analysis through implementation and performance monitoring
- Work independently on complex pricing profitability and credit analyses while influencing cross-functional partners to execute strategy effectively
- Recommend and drive scoped strategy adjustments within established risk appetite policy and profitability frameworks
- Bachelors degree in quantitative field finance economics business or equivalent experience
- 4-6 years in credit risk pricing strategy underwriting analytics yield management or credit strategy
- Experience analyzing approval conversion yield margin loss profitability or customer response metrics
- Proficiency in SQL Python SAS R or similar tools
- Strong analytical communication and problem-solving skills
- Understanding of credit risk risk-based pricing expected loss and lending economics
- Strategy and pricing changes are implemented accurately and on schedule
- Performance insights are timely actionable and tied to yield margin credit and profitability outcomes
- Risk-adjusted results improve within assigned scope
- Champion/challenger tests produce measurable learnings about price sensitivity conversion and profitability
- Emerging portfolio risks or yield pressures are identified early with clear recommendations
Required Experience:
Manager
About Company
Get low-interest personal loans quickly with Best Egg. Apply online in minutes & receive funds fast. Start your journey to financial stability now!
