Credit Risk

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being. Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs. Office Location This Role will be in our Wilmington, DE - Near the Riverfront, offering rich history, dining, entertainment, and shopping. With direct access to I-95, Amtrak, and SEPTA, employees enjoy flexible living options. Work Culture We foster a collaborative, innovative environment where everyone contributes to building something meaningful. You'll be empowered to lead, grow, and make an impact. The Role At Atlanticus, we're reimagining credit to help consumers build better financial futures. As a Credit Risk & Strategy Analyst on our Credit Card Risk Strategy team, you'll use data, analytics, and strategic thinking to solve meaningful business problems that span credit risk, marketing performance, and financial planning/performance. You'll work alongside experienced analysts and business leaders to uncover insights, develop recommendations, and influence decisions that directly shape our growth. Atlanticus's entrepreneurial environment means you'll have broad exposure, real ownership, and the opportunity to see your work make a tangible impact - something that's rare at larger institutions. What You'll Do Analyze business performance: Use SQL and other analytical tools to extract, clean, and interpret data to identify trends and opportunities across credit, marketing, and finance. Develop actionable insights: Translate data into clear recommendations that improve acquisition, underwriting, and portfolio management strategies. Structure and execute test-and-learn initiatives: Evaluate credit, marketing, and customer strategies - translating experimental outcomes into scalable business improvements. Support marketing and customer growth: Evaluate campaign performance and customer behaviors to inform targeting, offers, and engagement tactics. Contribute to financial and credit forecasting: Partner with Finance and Credit teams to model portfolio outcomes and track P&L drivers. Collaborate across functions: Work closely with Marketing, Product, Operations, and Finance to deliver analytical solutions and align on priorities. Tell the story: Communicate findings through presentations and dashboards that make data accessible to decision-makers. Grow as a strategic thinker: Learn to frame business problems, design experiments, and connect data-driven insights to real-world business strategy. You're a great fit if you have: Bachelor's degree in a quantitative or analytical field (e.g., Mathematics, Economics, Finance, Statistics, Engineering, or Data Science). 1-3 years of experience in analytics, business strategy, or consulting (internships or rotational programs welcome). Proficiency in SQL and strong Excel skills; experience with Python, R, or similar tools is a plus. Demonstrated ability to solve problems using data and structured thinking. Strong communication skills and intellectual curiosity. Preferred: Experience in credit cards, consumer lending, or data-driven marketing. Ability to understand consumer credit card P&L and profitability drivers. Exposure to experimentation (A/B testing) or performance measurement frameworks. Familiarity with business intelligence or visualization tools such as Tableau or Power BI. Comfort working in fast-paced, evolving environments where adaptability matters. Why You'll Love It Here Ownership Early: You'll take on real responsibility and see your analyses directly influence key business decisions. Broad Learning: Gain exposure across credit, marketing, and finance-understanding how a full consumer lending business operates. Agility and Impact: Be part of a smaller, collaborative team where your voice is heard and your ideas move quickly. Growth Opportunities: Develop the technical, strategic, and communication skills needed to advance into senior analytical roles. Mission-Driven Work: Help build credit solutions that promote financial inclusion and responsible growth. Why You'll Love Working Here This isn't just a job, it's a place to lead, grow, and thrive. If you believe in your skills and drive, we'll provide the resources and support to help you succeed. Benefits include: Generous PTO and holiday schedule 401(k) with company match Employee stock purchase plan Ongoing training (lunch & learns, financial and health webinars) Team volunteer outings Other Office locations: Atlanta, GA - Located in the Queen Building (King & Queen Towers, Sandy Springs), with easy access to I-285, GA-400, and a free shuttle to MARTA. Austin, TX - Situated in The Domain, a vibrant tech hub with park-like surroundings, top restaurants, and convenient parking, perfect for post-work socializing. Atlanticus is an equal opportunity employer. All qualified applicants will receive consideration without regard to race, religion, gender, sexual orientation, age, veteran status, disability, or other protected status. *Note: Applicants must be authorized to work in the U.S. We do not sponsor employment visas. *Hiring for our Wilmington, DE/Austin, TX office will be processed through Mercury Financial, a brand of Atlanticus.