Principal Analyst, Credit Cards - Remote

Overview

Self Financial is a venture-backed, high-growth FinTech company with a mission to increase economic inclusion and financial resilience by empowering people to build credit and build savings.

We're looking for people who share our passion and are driven to tackle challenges, find solutions and make the financial space better for the communities we serve.

Our team is passionate about challenging the status quo of the credit industry by providing people accessible tools to take control of their credit. Executing on our mission requires deep collaboration across our teams to ensure our products reach the people who can benefit from them the most, particularly the 100 million+ Americans who have no or low credit.

We celebrate diversity and are committed to creating an inclusive environment for all employees. To that end, we seek to recruit, develop and retain the most talented people from a diverse candidate pool.

The Role

As the Principal Analyst for Credit Cards, you will be the analytical engine and thought leader for our most significant and fastest-growing product line. You will partner closely with the Product Manager and GM for Credit Cards and report into the Analytics & Data Science team. This strategic role is distinct from our Credit Risk and Strategy functions; your focus is entirely on post-acquisition portfolio analytics—driving customer engagement, spend, balance growth, and P&L optimization for our existing cardmembers.

What You Will Do

• Architect Portfolio Growth Strategy: Architect and lead the analytical strategies that drive portfolio P&L and customer success. You will own the deep-dive analytics to increase spend and purchase activity, foster organic balance growth, analyze the impact of credit line management strategies on customer engagement, and maximize the successful adoption and utilization of the card. Your work will directly connect product engagement to positive customer outcomes like credit score improvement.
• Serve as the Analytical Thought Leader: Own the narrative for credit card performance. You will define, track, and dissect key industry metrics (e.g., Active Rate, Revolver Rate, Spend per Active, Line Utilization, credit score migration) and build robust analytical frameworks to understand the "why" behind the trends, delivering actionable recommendations to executive stakeholders.
• Expand BI Capabilities: Own the core reporting suites and BI dashboards for the credit card portfolio.
• Drive the Experimentation Roadmap: Lead a rigorous, data-driven experimentation culture. You will partner with Product and Marketing to design, execute, and analyze complex experiments (A/B/n, multivariate) to optimize everything from customer acquisition to balance growth strategies, using causal inference to measure true impact.
• Influence Product and Growth Strategy: Work as a key strategic partner to Product and Marketing teams to build best-in-class products and create significant customer value. While you will collaborate with Credit & Risk by providing them with critical portfolio insights, your direct influence will be on product development and growth strategies, not underwriting or credit policy.
• Develop Predictive and Causal Insights: Move beyond correlation to understand causation. You will analyze complex, large-scale datasets to model customer behavior, such as predicting the likelihood of a customer becoming a transactor vs. revolver, understanding the incremental impact of a credit line increase on spend, and measuring the card's influence on a customer's overall credit health.
• Mentor and Elevate the Team: As a senior member of the analytics community, you will mentor junior analysts, champion best practices, and contribute to raising the overall analytical bar across the organization.

What You Bring

• Bachelor's or Master's degree in a quantitative field such as Statistics, Economics, Finance, Engineering, Computer Science, or a related discipline. PhD is a plus.
• 7+ years of experience in an analytical role, with a strong focus on secured and unsecured credit card portfolio analytics at a major financial institution or fintech company.
• Deep mastery of credit card economics and P&L mechanics. You can confidently model and articulate the financial impact of strategic initiatives on revenue and profitability.
• Proven track record of influencing product strategy and executive-level stakeholders. Your recommendations have led to measurable changes in business outcomes.
• Expert-level proficiency in SQL and experience working with modern, large-scale data environments (e.g., Snowflake, BigQuery, AWS, Databricks).
• Demonstrated expertise in BI and visualization tools (Tableau strongly preferred), with hands-on experience in data modeling, building semantic layers, and working with tools like dbt.
• Advanced proficiency in Python or R for statistical modeling, machine learning, and data science applications. You are skilled in techniques such as segmentation, regression, classification, and causal inference.
• Exceptional ability to translate complex analytical concepts and findings into clear, concise, and compelling narratives for both technical and non-technical audiences.
• A proactive, first-principles thinker with a strong ownership mindset, comfortable with ambiguity and driven to find and solve the most impactful business problems.

Base salary is $124,000-165,000 annually. Individual pay is based on factors unique to each candidate, including skill set, experience, and other job-related reasons.