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Self Financial, Inc. · 1 day ago

Credit Strategy Data Analyst

Austin, TX

Full-time

Hybrid

Senior Level

$101K/yr - $150K/yr

5+ years exp

Self Financial is a venture-backed, high-growth FinTech company focused on increasing economic inclusion and financial resilience. They are seeking a Credit Strategy Data Analyst to design and analyze models and data-driven strategies to improve credit risk management for their earned wage access product.

Financial ServicesFinTechInternetPersonal Finance

No H1B

U.S. Citizen Only

Responsibilities

Support design and monitoring of EWA underwriting strategies and forecasting tools

Translate analytical findings into clear recommendations for credit policies

Support champion/challenger tests and experiment design for EWA risk strategies

Assist in designing exposure limits, eligibility rules, and verification checks

Query, clean, and analyze large bank transaction datasets using SQL and Python, or R/SAS)

Build dashboards, reports and durable data assets to track customer behavior and credit performance

Perform EDA, feature engineering, and data quality checks to drive trusted insights

Prepare model inputs, evaluate new data sources (including open-banking data), and track model performance

Analyze performance of underwriting strategies and identify opportunities to improve accuracy and reduce losses

Learn and introduce new analytical tools and techniques relevant to credit risk

Partner with Product, Engineering, Data Science, and Operations to implement updates to policies and decisioning logic

Support the coordination of initiatives with data suppliers

Package insights into crisp narratives and presentations for stakeholders

Qualification

SQLPythonData analysisCredit risk managementData visualizationConsumer lendingExperiment designLarge datasetsOpen-banking dataAnalytical mindsetCuriosityCollaboration

Required

Degree in Engineering, Computer Science, Statistics, Economics, Finance, or related; or equivalent experience

5+ years of analytics/data science experience

2+ years of experience in consumer lending, fintech, or banking credit risk

Experience working with bank transaction data and other very large financial datasets

Proficiency in SQL and at least one analytical language (Python preferred; R or SAS acceptable)

Experience with visualization tools such as Tableau, Power BI, Looker; strong skills with Excel/Google spreadsheets

Experience cleaning, joining, and analyzing large datasets in a cloud data warehouse environment (i.e. Snowflake, BigQuery, Redshift)

Strong analytical mindset and attention to data quality

Ability to translate data findings into clear recommendations

Curiosity, ownership mindset, and comfort working in a fast-moving environment

Collaborative approach and willingness to learn new data tools and risk frameworks

Preferred

Advanced degree is a plus

Subprime experience is a plus

Exposure to earned wage access, overdraft-alternatives, or cash-flow-based lending products is a strong plus

Experience with visualization tools such as Tableau is preferred

Familiarity with open-banking data supplier integrations is desirable (i.e. Plaid, MX, Finicity)

Exposure to experimentation design and tracking

Benefits

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

Company

Self Financial, Inc.

About Self Financial Self Financial is a credit-building platform that works to increase economic inclusion and financial resilience through easy-to-use products that make building credit accessible.

Founded in 2015

Austin, Texas, USA

201-500 employees