Credit Strategy Manager

About the role

The Credit Strategy Manager owns and leads the analytical processes that support Aqua’s credit strategy, pricing, and executive decision-making, ensuring analyses are high-quality, well-documented, validated, and ready for production use.

Responsibilities

• Lead end-to-end credit analytics supporting strategy, pricing, policy, dealer oversight, collections, and executive decision-making, including scenario analysis, sensitivity testing, and impact simulations.
• Develop, maintain, and validate production-ready analytical code, models, and workflows using SQL, Python, Excel, and BI tools, with rigorous quality control, testing, and documentation.
• Design and standardize scalable, repeatable analytical processes, including runbooks, analytical standards, and governance frameworks to ensure consistency, auditability, and knowledge retention.
• Build and maintain reporting and business intelligence solutions (e.g., Power BI) to monitor loan performance, funnel KPIs, dealer performance, pricing outcomes, and policy effectiveness.
• Serve as a subject matter expert on Aqua’s consumer credit systems, databases, and decisioning logic, ensuring analytical outputs align with system behavior and configurations.
• Monitor loan, dealer, and operational performance to identify trends, risks, and opportunities; provide actionable recommendations, including dealer remediation or termination, in partnership with Credit and Sales leadership.
• Identify, evaluate, and integrate internal and external data sources to enhance analytical rigor, pricing accuracy, and credit strategy effectiveness.
• Translate complex analytical findings into clear, decision-ready insights and recommendations for senior credit and executive leadership.
• Provide analytical oversight, mentorship, and review for junior analysts and act as a process owner within enterprise analytics and data governance initiatives.
• Collaborate closely with IT, data engineering, enterprise analytics, operations, sales, and credit partners to align analytical requirements with data, systems, and governance standards.

Requirements

• Bachelor's degree in Statistics, Mathematics, Computer Science, or STEM field, or commensurate work experience, required.
• 5 years of experience in data analytics required, 3 years of experience in consumer risk preferred.
• Financial industry experience preferred.
• Proficient in the utilization of SQL, Excel, and/or Python.
• Attention to detail and accuracy required.
• Excellent verbal and written communication skills required.
• Proficient in the utilization of Microsoft Office Suite.
• Able to thrive in a fast-paced work environment.
• Strong quantitative and qualitative analytical skills.