Senior Credit Risk & Strategy Analyst Credit Card Strategy

Senior Credit Risk & Strategy Analyst - Credit Card Strategy

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being.

Atlanticus technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.

Office Locations available for this role include

• Wilmington, DE - Near the Riverfront, offering rich history, dining, entertainment, and shopping. With direct access to I-95, Amtrak, and SEPTA, employees enjoy flexible living options.

Work Culture

We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You'll be empowered to lead, grow, and make an impact.

The Role

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.

What You'll Do

• 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 acquisition, underwriting, and line 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.

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.

Preferred

• 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.
• Experience building dashboards and visualizations (Tableau, Power BI).
• 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.

Why You'll Love Working Here

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.

• Broad Impact: Work across credit, marketing, and finance to drive holistic business outcomes.
• Ownership: Enjoy end-to-end responsibility and autonomy to shape strategy, not just report on it.
• Entrepreneurial Culture: Be part of a nimble, innovative team where ideas move quickly from concept to execution.
• Visibility: Collaborate directly with senior leaders, contributing to key portfolio and growth decisions.
• Learning and Growth: Develop diverse analytical skills while deepening your understanding of how a credit card business runs.

Benefits include

• Generous PTO and holiday schedule
• 401(k) with company match
• Employee stock purchase plan
• Ongoing training (lunch & learns, financial and health webinars)
• Team volunteer outings

Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status.