Senior Credit Strategy Analyst

Mikinok Enterprises

Senior Credit Strategy Analyst optimizing credit strategies for Mikinok Enterprises’ subprime consumer lending portfolio. Using SQL, Python, and experimentation to improve profitability, losses, collections, and recovery.

Posted 8/21/2026full-timeMinneapolis • Minnesota, North Dakota • 🇺🇸 United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in data analysis and strategy optimization, utilizing SQL and Python to drive insights and recommendations. Proven ability to collaborate across teams and mentor junior analysts while effectively communicating complex findings to senior leadership.

Highest-signal resume keywords

SQL ProficiencyPython AnalysisData Visualization TechniquesA/B TestingCredit Strategy Development

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Quantitative AnalysisData AnalysisStatistical ModelingPortfolio Performance AssessmentCost AnalysisRisk AssessmentData ManagementSpreadsheet FormulasPivot TablesVBA

Soft Skills

Interpersonal SkillsLeadership SkillsCommunication SkillsCollaborationMentoring

Tools & Technologies

Microsoft ExcelGoogle SheetsBusiness Intelligence ToolsData Science Collaboration

Industry Keywords

Financial ServicesCredit BureauSub-Prime Credit DynamicsCollections StrategyRecovery Optimization

Tech Stack

Tools & technologies

PythonSQLVBA

About the role

Key responsibilities & impact

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

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, including 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
Advanced degree in an analytical/quantitative field (desired)
5+ years of experience in complex, data-driven problem solving, ideally within financial services, consulting, or a 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 (desired)

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