Senior Strategy Analyst
Mikinok Enterprises, Minneapolis, MN, United States
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 across marketing, underwriting, and collections - using data, testing, and sound risk judgement. You'll partner closely with Data Science, Engineering, Project, and Operations teams to translate insight into scalable credit strategies that materially impact portfolio performance. In this role, you will... Design, implement, and optimize credit strategies across marketing, underwriting, fraud, loan amount and term assignment, and collections Own policy development and changes including testing, rollout, and post-implementation monitoring Analyze portfolio performance using SQL/Python and BI tools 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 Identify emerging risks and upsides. Recommend proactive strategy adjustments Build and evaluate test-and-learn experiments (A/B tests, DOE) across the customer life-cycle, while controlling downside risks Partner with Data Science on model development, performance assessments, and model-strategy alignment across customer life-cycle Prepare and present recommendations to senior leadership; present project insights & updates at company-wide quarterly business reviews (QBR) Mentor junior analysts and help establish best practice in data analytics for credit team
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 across marketing, underwriting, and collections - using data, testing, and sound risk judgement. You'll partner closely with Data Science, Engineering, Project, and Operations teams to translate insight into scalable credit strategies that materially impact portfolio performance. In this role, you will... Design, implement, and optimize credit strategies across marketing, underwriting, fraud, loan amount and term assignment, and collections Own policy development and changes including testing, rollout, and post-implementation monitoring Analyze portfolio performance using SQL/Python and BI tools 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 Identify emerging risks and upsides. Recommend proactive strategy adjustments Build and evaluate test-and-learn experiments (A/B tests, DOE) across the customer life-cycle, while controlling downside risks Partner with Data Science on model development, performance assessments, and model-strategy alignment across customer life-cycle Prepare and present recommendations to senior leadership; present project insights & updates at company-wide quarterly business reviews (QBR) Mentor junior analysts and help establish best practice in data analytics for credit team