Mikinok Enterprises

Strategy

• 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 within key metrics
• Assess cost for new accounts originated, default rates, delinquency rates, loss rates, unit economics, repeat behavior, and churn
• Recommend proactive strategy adjustments based on emerging risks and opportunities
• Build and evaluate test-and-learn experiments, including A/B tests and DOE, across the customer lifecycle
• 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 across the customer lifecycle
• Translate technical findings into recommendations for senior leadership
• Present at company-wide quarterly business reviews (QBR)
• Mentor junior analysts and establish best practices in credit-team data analytics
• Collaborate with Data Science, Engineering, Project Management, and Operations teams to develop scalable credit strategies

Senior Credit Strategy Analyst