Senior Credit Strategy Analyst

Mikinok Enterprises

. Drive credit strategies for Mikinok’s subprime consumer lending portfolio.

Posted 11/11/2026full-timeUnited StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in driving credit strategies for subprime consumer lending, utilizing advanced analytical skills and tools such as SQL and Python to optimize portfolio performance and inform strategic decisions. Proven ability to mentor teams and translate complex data insights into actionable recommendations for senior leadership.

Highest-signal resume keywords

SQL ProficiencyPython ExperienceData AnalysisCredit Strategy DevelopmentA/B Testing

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Quantitative AnalysisData VisualizationStatistical AnalysisModel MonitoringFraud DetectionLoan SizingCollections OptimizationRecovery StrategiesPolicy DevelopmentCost Evaluation

Soft Skills

LeadershipInterpersonal SkillsCommunication SkillsCollaborationMentoring

Tools & Technologies

Microsoft ExcelGoogle SheetsBusiness Intelligence ToolsData Management ToolsStatistical Add-ins

Industry Keywords

Subprime Credit DynamicsFinancial ServicesCredit BureauBehavioral Performance DataCollections Strategy

Tech Stack

Tools & technologies

PythonSQLVBA

About the role

Key responsibilities & impact

Drive credit strategies for Mikinok’s subprime consumer lending portfolio.
Lead strategy development projects from acquisition and underwriting through collections and recovery.
Design, implement, and optimize strategies spanning marketing, underwriting, model monitoring, fraud, loan sizing/terms, collections, and recovery.
Own policy development and changes, including testing, rollout, and post-implementation monitoring.
Analyze portfolio performance using SQL/Python and BI to OLS to identify trends, risks, and opportunities.
Evaluate cost for new accounts originated, default and delinquency rates, loss rates and unit economics, repeat behavior, and churn.
Recommend proactive strategy adjustments based on emerging risks and upsides.
Build and evaluate A/B tests and DOE experiments across the customer life cycle.
Isolate causal drivers of loss, delinquency, and recovery rates to control downside risk.
Partner with Data Science on model development, performance assessments, and model-strategy alignment.
Translate technical findings into recommendations for senior leadership and present at quarterly business reviews.
Mentor junior analysts and establish data analytics best practices for the credit team.
Partner with Data Science, Engineering, Project Management, and Operations teams to translate insights into scalable credit strategies.

Requirements

What you’ll need

Bachelor's Degree in an analytical/quantitative field (Math, Physics, Statistics, Engineering, Computer Science) from a competitive school.
Elite quantitative & analytical skills.
Proven ability to drive analytical projects and insights (3+ years experience)
Strong proficiency in SQL and/or experience using Python for analysis (3+ years)
Experience using advanced Microsoft Excel or Google Sheets analytics tools (spreadsheet formulas, pivot tables, statistical add-ins, VBA, data management and merging tools) (2+ years)
Demonstrated experience in analyzing data to draw business-relevant conclusions and in data visualization techniques and tools.
Ability to work in a fast-paced, collaborative environment
Strong interpersonal, leadership, and communication skills
Authorized to work for any employer in the United States; employment visa sponsorship is unavailable.
Desired: Advanced degree in an analytical/quantitative field.
Desired: 5+ years of experience in complex, data-driven problem solving, ideally within financial services, consulting, or credit bureau.
Desired: Hands-on experience with credit bureau, alternative data, lead generation, and behavioral performance data.
Desired: Deep understanding of sub-prime credit dynamics, including volatility, adverse selection, and risk layering.
Desired: Exposure to collections strategy or recovery optimization.

Benefits

Comp & perks

The opportunity to help bring much-needed income and economic development to the Turtle Mountain Band of Chippewa Indians
Competitive salary and bonus structure
Generous employee benefits plan, including robust healthcare plans, matching 401K, and four weeks of PTO
Company-sponsored professional development and training opportunities