Principal Analyst, Credit Cards

Austin, Texas, United States

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Not SpecifiedCompensation

Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Financial Services, FintechIndustries

Requirements

Candidates should possess a Bachelor’s or Master’s degree in a quantitative field such as Statistics, Economics, Finance, Engineering, or Computer Science. Strong analytical and problem-solving skills are essential, along with experience working with large-scale datasets and predictive modeling. Familiarity with causal inference techniques is highly desirable.

Responsibilities

As the Principal Analyst, you will architect and lead analytical strategies to drive portfolio P&L and customer success, defining and tracking key industry metrics, dissecting trends, and delivering actionable recommendations to executive stakeholders. You will own the core reporting suites and BI dashboards for the credit card portfolio, drive a data-driven experimentation culture, and influence product and growth strategy through rigorous analysis and strategic partnerships. Additionally, you will mentor junior analysts, champion best practices, and contribute to raising the overall analytical bar across the organization, while collaborating with Credit & Risk by providing critical portfolio insights.

Skills

Portfolio Analytics

Customer Engagement

Balance Growth

Credit Line Management

Data Analysis

P&L Optimization

Product Strategy

Customer Success

Self Financial

Online platform for credit score improvement

About Self Financial

Self Financial helps individuals build or rebuild their credit scores through online services and a mobile app. Their main products are Credit Builder Loans and the Self Credit Card. A Credit Builder Loan is a small loan that is secured in a certificate of deposit (CD), where monthly payments are reported to credit bureaus to help establish a positive credit history. Once the loan is paid off, the borrower can access the funds in the CD, turning payments into savings. The Self Credit Card requires an upfront deposit and also reports monthly payments to credit bureaus. Unlike traditional credit unions, Self Financial operates entirely online, making it accessible to tech-savvy users and those without access to conventional banking. The goal of Self Financial is to help clients improve their credit scores, enabling them to qualify for loans and other financial products while generating revenue through fees associated with their services.

Austin, TexasHeadquarters

2015Year Founded

$124.1MTotal Funding

SERIES_ECompany Stage

Fintech, Financial ServicesIndustries

501-1,000Employees

Benefits

Company Equity in the form of RSUs

Quarterly performance-based bonuses

Generous employer-paid health, vision, & dental insurance coverage

Flexible vacation policy

Educational assistance

Free gym membership

Casual dress code

Team building events and activities

Remote work arrangements/ flexible work schedule

Paid parental leave

Risks

Competition from traditional banks offering similar services could erode market share.

High outbound migration from high-tax states may affect customer base in those regions.

Integration challenges from RentTrack acquisition could impact service delivery and satisfaction.

Differentiation

Self Financial offers online credit-building tools, appealing to tech-savvy consumers.

The company provides unique services like reporting rent payments to credit bureaus.

Self Financial's Credit Builder Loan turns loan payments into savings, differentiating it from competitors.

Upsides

Increased consumer interest in credit-building tools expands Self Financial's potential customer base.

Partnership with Regions Bank enhances customer acquisition through expanded credit reporting services.

Appointment of CEO Julie Szudarek could drive strategic growth and expansion.

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