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
• Cost for new account originated 
• Default rates, Delinquency rates
• Loss rates and unit economics
• Repeat behavior and churn 
• Recommend proactive strategy adjustments based on identified emerging risks and upsides.  
• Build and evaluate test-and-learn experiments (A/B tests, DOE) across the customer life-cycle by isolating 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 customer life-cycle 
• Translate technical findings into clear recommendations for senior leadership and present at company-wide quarterly business reviews (QBR)
• Mentor junior analysts and help establish best practice in data analytics for credit team

Mandatory Qualifications

• 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

Please Note: We are interested in every qualified candidate who is authorized to work for ANY employer in the United States. We are unable to sponsor or take over sponsorship of an employment Visa at this time.

Desired Qualifications

• Advanced degree in an analytical/quantitative field (Math, Physics, Statistics, Engineering, Computer Science) from a competitive school.
• 5+ years of experience in complex, data-driven problem solving ideally within financial services or consulting or credit bureau 
• Hands-on experience with credit bureau, alternative data, lead generation, and behavioral performance data
• Deep understanding of sub-prime credit dynamics including volatility, adverse selection, and risk layering
• Exposure to marketing strategy or optimization 

• 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 

About the Company

Mikinok Enterprises (d/b/a Spotloan) is a leading online direct lender founded in 2012 that utilizes advanced underwriting technology to provide short-term loans to Americans in need. Mikinok is wholly owned and operated by the Turtle Mountain Band of Chippewa Indians of North Dakota, a Federally-recognized Native American Tribe (the “Tribe”).  

Mikinok Enterprises is an integral part of the Tribe’s economic development efforts, and it is an essential provider of employment opportunities on the Tribe’s reservation.  Employment decisions at Mikinok are based on qualifications, ability, and merit.  When qualifications are equal, candidates who are enrolled members of the Tribe will receive preference.  After considering this preference, it is Mikinok’s policy to provide equal employment opportunity to all qualified persons without regard to race, color, religion, sexual orientation, age, disability, or national origin.