Senior Credit Strategy Analyst
Mikinok Enterprises has revolutionized the emergency loan market by using sophisticated machine learning (artificial intelligence) and big data to detect fraud and predict payback.
We’re looking for a Senior Credit Strategy Analyst to drive credit strategies for Mikinok’s subprime consumer lending portfolio. This role is critical to balancing growth, profitability, and losses in a fast-moving environment. You’ll lead strategy development projects from marketing and underwriting through collections and recovery. This is a high-autonomy, high-ownership role where you'll design experiments, build analytical frameworks that drive multi-million-dollar decisions, and see your work move from hypothesis to production in weeks, not quarters.
You’ll partner closely with Data Science, Engineering, Project Management, and Operations teams to translate insight into scalable credit strategies that materially impact portfolio performance
In this role, you will...
- Design, implement, and optimize strategies spanning recovery, underwriting, model monitoring, fraud, loan sizing/terms, and — especially — marketing, where disciplined segmentation and treatment testing directly move the bottom line
- 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 within key metrics
