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Best EggBE

Credit Strategy Analyst - Home Secured

Best Egg is a consumer financial technology platform that provides simple, accessible, and personalized financial solutions, including personal loans and credit cards, to help people feel more confident about their everyday finances.

Best Egg

Employee count: 501-1000

Salary: 130k-160k USD

United States only

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Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.
We offer top-tier benefits and growth opportunities in a culture built on our core values:
Put People First – We foster an inclusive, flexible, and fun workplace.
Create Clarity – Open communication drives trust and results.
Get Things Done – We focus, prioritize, and deliver with excellence.
Deliver with Heart – We lead with kindness, humility, and strong teamwork.
Listen to Our Customers – Their needs drive our innovation.
Barclays has entered into an agreement to acquire Best Egg with closing expected to take place in Q2 2026. This acquisition will give us the resources and capital to continue on our mission and drive our strategy forward. With an aligned culture, lower cost of funds, and increased employee growth opportunities across a global brand, we are excited about the future of the Best Egg brand under the Barclays umbrella.
We are looking for collaborative, innovative team players who like to solve problems. There will also be immense opportunities for those willing to dive in. If you're inspired by growth and want to make a real difference, Best Egg is the place for you.
We’re proud to be an equal opportunity employer committed to building a diverse, inclusive team.
We are seeking an experienced Credit Strategy Analyst to drive the growth of our home-secured personal loan portfolio. This role focuses on Underwriting, Pricing, Loan amount & Fee decisions across all acquisition channels, driving strategy improvement, innovation and investor returns. The ideal candidate will bring expertise in lending, applying credit models, and data-driven decision-making to help us expand our market share while maintaining robust risk controls.
This is a full-time, permanent position with competitive benefits and upward mobility. If you call yourself a self-starter who can work in any environment and enjoy every day bringing unique challenges and opportunities, then you will thrive in this role.

Duties & Responsibilities

  • This individual will be responsible for monitoring, refining, and developing Credit strategies (including underwriting, pricing, loan amount & fees) for home secured personal loans
  • Create test/control champion/challenger tests and monitoring to inform future strategies
  • Provide scenario analysis/create financial impact sizing/develop new strategy test case
  • Perform ad-hoc analytics, create reporting and presentations
  • Work across functional areas to drive overall growth, product enhancements, and improve web funnel conversion rates across all channels.
  • Partner with Decision Science to define and develop Credit models and tools
  • Maintain overall risk and return targets for investors, particularly in a changing economic environment

Requirements - Development

  • 5-7+ years’ experience in a similar analytical role
  • Bachelor’s Degree in Statistics, Mathematics, Operational Research, Engineering, other quantitative major required; Master’s degree a plus
  • Experience in the financial industry, credit risk and mortgage/home equity experience required
  • Must be proficient in Python or similar, SQL, and MS Excel
  • Must be proficient in interpreting data using analytics, research methodologies, and statistical techniques
  • Previous experience with Business Intelligence reporting (e.g. Tableau, PowerBI, etc) is desirable
  • Excellent English written/verbal communication skills, critical thinking and interpersonal skills
  • Highly independent and self-motivated to form opinions that are supported by data.
  • Strong knowledge of modeling tools and techniques and use in strategy
  • Ability to understand competitive pressure, economic trends and their business impacts.
  • High Energy with ability to work in a fast-paced environment

Requirements - Leadership

  • Comfortable interacting and engaging with colleagues from all levels of management across all business units and third-party vendors
  • Demonstrated technical leadership skills including self-direction, coaching, and mentoring
  • Highly motivated, well organized, capable of developing and executing business analysis, and able to communicate status and results effectively

Requirements - Culture

  • Ability to succeed within a cross-functional team emphasizing Collective Ownership in a fast-paced environment
  • Ability to work effectively both independently and as a team member
  • Be confident and willing to challenge status quo, but also willing to concede and execute other’s ideas when necessary
  • Capable of teaching and learning from others to promote continuity of knowledge and personal development
  • Cultivate good working relationships with other business units, particularly Marketing, Operations, and Finance

Employee Benefits

Best Egg offers many additional benefits for our employees, including (but not limited to):
· Pre-tax and post-tax retirement savings plans with a competitive company matching
program
· Generous paid time-off plans including vacation, personal/sick time, paid short--
term and long-term disability leaves, paid parental leave, and paid company
holidays
· Multiple health care plans to choose from, including dental and vision options
· Flexible Spending Plans for Health Care, Dependent Care, and Health
Reimbursement Accounts
· Company-paid benefits such as life insurance, wellness platforms, employee
assistance programs, and Health Advocate programs
· Other great discounted benefits include identity theft protection, pet insurance,
fitness center reimbursements, and many more!
In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here

About the job

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Posted on

Job type

Full Time

Experience level

Mid-level

Salary

Salary: 130k-160k USD

Location requirements

Hiring timezones

United States +/- 0 hours

About Best Egg

Learn more about Best Egg and their company culture.

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What began in 2013 as Marlette Funding, a venture initiated by veterans of Juniper Bank, has blossomed into the financial confidence platform known today as Best Egg. The founders, including Jeffrey Meiler, embarked on a mission to simplify the borrowing process, creating an entirely online lending platform that could look beyond just a credit score. Their proprietary algorithm was designed to identify creditworthy individuals who might be overlooked by traditional financial institutions. The public-facing brand 'Best Egg' was launched in 2014, a name chosen to evoke the comforting concept of a 'nest egg,' symbolizing financial security and a brighter future. This customer-centric approach resonated, and the company experienced rapid growth, quickly establishing itself as a significant player in the fintech lending space. The journey was marked by a commitment to providing accessible and straightforward financial solutions, a principle that has remained at the core of its identity.

This initial focus on personal loans was just the beginning of Best Egg's evolution. Recognizing the diverse financial needs of its customers, the company strategically expanded its offerings. Over the years, it has introduced a credit card, a flexible rent program, and a suite of financial health tools, transforming from a simple lender into a comprehensive financial wellness partner. This expansion was fueled by a deep understanding of the real-life challenges people face when managing their finances, especially those with limited savings. In a significant move to solidify its brand identity and market presence, Marlette Funding officially renamed the entire company to Best Egg, aligning the corporate name with the well-established and trusted product brand. Headquartered in Wilmington, Delaware, the company has continued to grow its team and its impact, driven by a culture that champions innovation, inclusivity, and a heartfelt dedication to helping customers navigate their financial journey with confidence and ease. Today, Best Egg stands as a testament to the power of technology and a human-centered approach in making financial progress accessible to all.

Employee benefits

Learn about the employee benefits and perks provided at Best Egg.

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Paid Parental Leave

Best Egg offers paid parental leave.

Tuition Reimbursement

Best Egg offers tuition reimbursement.

Retirement Savings Plan

Best Egg offers a retirement savings plan.

Paid Time Off

Includes sick days, vacation days, and personal days.

View Best Egg's employee benefits
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Best Egg

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