Credit Strategy Manager I

Job description

*Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.* *At Best Egg, you’ll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence —enhanced by Barclays’ commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people’s financial lives.* *With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique.* *We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.* *We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team.* We are seeking a Credit Strategy Manager I to execute, monitor, and optimize underwriting, risk-based pricing, offer, and yield management strategies for our consumer lending products. This role owns defined components of credit, pricing, or channel strategy, translating risk appetite, profitability objectives, and business goals into decisioning logic, segmentation, pricing tiers, offer structures, and operational rules while partnering cross-functionally to ensure accurate implementation. The ideal candidate brings strong analytical rigor, commercial judgment, and a data-driven mindset to improve risk-adjusted yield, manage risk, and drive continuous strategy enhancements within established frameworks. ### Key Responsibilities ## Credit Strategy Execution - Execute and refine underwriting, line assignment, risk-based pricing, and offer strategies - Translate pricing and credit strategy into decisioning logic, segmentation frameworks, pricing tiers, and operational rules - Partner with Finance, Product, Marketing, Compliance, Fair Lending, Operations, and other cross-functional stakeholders to ensure pricing and credit strategies are accurately implemented ## Performance Analysis & Optimization - Design and evaluate champion/challenger tests related to APRs, fees, promotional offers, loan terms, line assignments, and offer structures - Assess customer price sensitivity and conversion elasticity across segments, risk bands, products, and acquisition channels - Prepare regular reporting on credit performance and strategy effectiveness - Identify performance drivers and recommend targeted pricing, yield, and credit strategy enhancements ## Scope & Autonomy - Own defined components of credit, pricing, or channel strategy end-to-end, from analysis through implementation and performance monitoring - Work independently on complex pricing, profitability, and credit analyses while influencing cross-functional partners to execute strategy effectively - Recommend and drive scoped strategy adjustments within established risk appetite, policy, and profitability frameworks ### Required Qualifications - Bachelor's degree in quantitative field, finance, economics, business, or equivalent experience - 4-6 years in credit risk, pricing strategy, underwriting, analytics, yield management, or credit strategy - Experience analyzing approval, conversion, yield, margin, loss, profitability, or customer response metrics - Proficiency in SQL, Python, SAS, R, or similar tools - Strong analytical, communication, and problem-solving skills - Understanding of credit risk, risk-based pricing, expected loss, and lending economics ### What Success Looks Like - Strategy and pricing changes are implemented accurately and on schedule - Performance insights are timely, actionable, and tied to yield, margin, credit, and profitability outcomes - Risk-adjusted results improve within assigned scope - Champion/challenger tests produce measurable learnings about price sensitivity, conversion, and profitability - Emerging portfolio risks or yield pressures are identified early with clear recommendations