Senior Credit Strategy Analyst at Jobgether – United States

This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Senior Credit Strategy Analyst in the United States.

This role sits at the core of consumer lending strategy, where data, risk management, and business growth intersect. You will be responsible for designing and optimizing credit and fraud strategies that directly influence lending decisions and portfolio performance. Working in a fast-evolving financial environment, you will translate complex data into actionable policies that shape underwriting outcomes and customer experience. The position requires close collaboration with cross-functional teams, including Product, Data Science, Compliance, and Operations, to ensure strategies are effectively implemented and continuously improved. You will also play a key role in monitoring credit performance and fraud trends, driving insights that reduce losses and improve decision accuracy. This is a high-impact role where analytical rigor meets strategic decision-making.

• Own the end-to-end implementation of credit and fraud policies across multiple product lines within decisioning platforms, including testing, deployment, and validation.
• Design, develop, and optimize credit underwriting and fraud prevention strategies that balance growth, risk exposure, and customer experience.
• Analyze portfolio performance, approval funnels, and fraud patterns to identify opportunities for improvement and loss mitigation.
• Build, test, and refine decision rules, segmentation strategies, and policy adjustments using structured experimentation frameworks.
• Develop dashboards and reporting tools to monitor key credit and fraud KPIs, including approval rates, losses, and fraud indicators.
• Partner with cross-functional teams to ensure strategy alignment, proper implementation, and ongoing monitoring of performance.
• Support governance activities through documentation, controls, and periodic performance reviews of credit strategies and models.

• 3+ years of experience in credit risk, consumer lending, banking, or financial services risk management.
• 1+ years of experience implementing credit strategies within decisioning platforms (e.g., Alloy or similar systems).
• Strong proficiency in SQL and Python for data analysis, strategy development, and performance evaluation.
• Experience working with credit bureau data (Experian, TransUnion, Equifax) and/or alternative data sources.
• Solid understanding of consumer lending regulations, compliance standards, and risk governance frameworks.
• Ability to translate complex data insights into clear, actionable credit and fraud strategy recommendations.
• Experience working in cross-functional environments and managing multiple initiatives with limited oversight.
• Strong analytical thinking, attention to detail, and familiarity with BI tools such as Looker or Tableau (preferred).

• Competitive salary range: $124,000 – $155,000 USD annually
• Health, dental, and vision insurance with additional savings plans
• 401(k) retirement plan with company matching contributions
• Employee Stock Purchase Plan and Restricted Stock Units (RSUs)
• Home office setup support with Mac equipment and work-from-home stipend
• Monthly internet and phone reimbursement
• Robust tuition reimbursement program for continued learning
• Annual $1,000 travel perk for personal travel
• Competitive PTO and paid parental leave policies
• Flexible, remote-friendly work environment