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Mercury® Financial · 2 months ago

Credit Risk & Strategy Analyst

Wilmington, DE

Full-time

Onsite

Entry Level

1+ years exp

Atlanticus is a fast-growing, mission-focused company committed to meeting the financial needs of middle-class Americans. As a Credit Risk & Strategy Analyst, you will use data and analytics to solve business problems related to credit risk and marketing performance, and collaborate with various teams to drive strategic insights.

Consumer LendingCredit CardsFinancial Services

Comp. & Benefits

No H1B

Responsibilities

Analyze business performance: Use SQL and other analytical tools to extract, clean, and interpret data to identify trends and opportunities across credit, marketing, and finance

Develop actionable insights: Translate data into clear recommendations that improve acquisition, underwriting, and portfolio management strategies

Structure and execute test-and-learn initiatives: Evaluate credit, marketing, and customer strategies - translating experimental outcomes into scalable business improvements

Support marketing and customer growth: Evaluate campaign performance and customer behaviors to inform targeting, offers, and engagement tactics

Contribute to financial and credit forecasting: Partner with Finance and Credit teams to model portfolio outcomes and track P&L drivers

Collaborate across functions: Work closely with Marketing, Product, Operations, and Finance to deliver analytical solutions and align on priorities

Tell the story: Communicate findings through presentations and dashboards that make data accessible to decision-makers

Grow as a strategic thinker: Learn to frame business problems, design experiments, and connect data-driven insights to real-world business strategy

Qualification

SQLExcelData analysisPythonRCredit risk analysisBusiness intelligence toolsConsumer lending experienceCommunication skillsProblem-solving

Required

Bachelor's degree in a quantitative or analytical field (e.g., Mathematics, Economics, Finance, Statistics, Engineering, or Data Science)

1-3 years of experience in analytics, business strategy, or consulting (internships or rotational programs welcome)

Proficiency in SQL and strong Excel skills; experience with Python, R, or similar tools is a plus

Demonstrated ability to solve problems using data and structured thinking

Strong communication skills and intellectual curiosity

Preferred

Experience in credit cards, consumer lending, or data-driven marketing

Ability to understand consumer credit card P&L and profitability drivers

Exposure to experimentation (A/B testing) or performance measurement frameworks

Familiarity with business intelligence or visualization tools such as Tableau or Power BI

Comfort working in fast-paced, evolving environments where adaptability matters

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