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Mercury® Financial · 2 months ago

Senior Credit Risk & Strategy Analyst

Wilmington, DE

Full-time

Onsite

Mid, Senior Level

4+ years exp

Atlanticus is a fast-growing, mission-focused company committed to meeting the financial needs of middle-class Americans. In this role, you will combine analytical rigor with business strategy to drive growth and profitability across the credit card portfolio, tackling complex challenges in credit risk, marketing optimization, and financial performance.

Consumer LendingCredit CardsFinancial Services

Comp. & Benefits

No H1B

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 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

Qualification

SQLFinancial modelingData analysisPythonExcelCommunication skillsMarketing analyticsPortfolio managementProblem-solvingCritical thinkingCollaboration

Required

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

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

Benefits

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

Company

Mercury® Financial

We are Mercury ® Financial, a mission-driven fintech that is expanding financial inclusion, helping hardworking Americans to build better credit so they can enjoy the benefits of a better life since its founding in 2013.

Founded in 2014

Austin, Texas, USA

201-500 employees