Credit Strategy Manager I

Best EggWilmington, DE

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Overview

Schedule

Full-time

Career level

Senior-level

Remote

On-site

Benefits

Health Insurance

Dental Insurance

Vision Insurance

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

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

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FAQs About Credit Strategy Manager I Jobs at Best Egg

What is the work location for this position at Best Egg?

This job at Best Egg is located in Wilmington, DE, according to the details provided by the employer. Some roles may also include multiple work locations depending on the requirement.

What pay range can candidates expect for this role at Best Egg?

Employer has not shared pay details for this role.

What employment applies to this position at Best Egg?

Best Egg lists this role as a Full-time position.

What experience level is required for this role at Best Egg?

Best Egg is looking for a candidate with "Senior-level" experience level.

What benefits are offered by Best Egg for this role?

Best Egg offers following benefits: Health Insurance, Dental Insurance, Vision Insurance, Disability Insurance, Life Insurance, Family/Dependent Health, Paid Holidays, Paid Vacation, Paid Sick Leave, Parental and Family Leave, 401k Matching/Retirement Savings, and Health & Wellness Programs for this position. Actual benefits may vary depending on the employer's policies and employment terms.

What is the process to apply for this position at Best Egg?

You can apply for this role at Best Egg either through Sonara's automated application system, which helps you submit applications 10X faster with minimal effort, or by applying manually using the direct link on the job page.