layiq
worthy; deserving; fitting; suitable.
A role, opportunity, or path that merits attention, time, and pursuit.
Loading LAYIQ…Job opportunity
Mikinok Enterprises
Belcourt, ND, US; Minneapolis, MN, US; San Diego, CA, US
Source: Mikinok Enterprises careers · View original posting
From Mikinok Enterprises's posting. “We” and “our” refer to the employer.
Mikinok Enterprises has revolutionized the emergency loan market by using sophisticated machine learning (artificial intelligence) and big data to detect fraud and predict payback.
We’re looking for a Senior Credit Strategy Analyst to drive credit strategies for Mikinok’s subprime consumer lending portfolio. This role is critical to balancing growth, profitability, and losses in a fast-moving environment. You’ll lead strategy development projects from acquisition and underwriting through collections and recovery.
This is a high-autonomy, high-ownership role where you'll design experiments, build analytical frameworks that drive multi-million-dollar decisions, and see your work move from hypothesis to production in weeks, not quarters.
You’ll partner closely with Data Science, Engineering, Project Management, and Operations teams to translate insight into scalable credit strategies that materially impact portfolio performance
In this role, you will...
Design, implement, and optimize strategies spanning marketing, underwriting, model monitoring, fraud, loan sizing/terms, and — especially — collections and recovery, where disciplined segmentation and treatment testing directly move the bottom line
Recommend proactive strategy adjustments based on identified emerging risks and upsides.
Build and evaluate test-and-learn experiments (A/B tests, DOE) across the customer life-cycle by isolating causal drivers of loss, delinquency, and recovery rates to control downside risk
Please Note: We are interested in every qualified candidate who is authorized to work for ANY employer in the United States. We are unable to sponsor or take over sponsorship of an employment Visa at this time.
Desired Qualifications
Advanced degree in an analytical/quantitative field (Math, Physics, Statistics, Engineering, Computer Science) from a competitive school.
Mikinok Enterprises (d/b/a Spotloan) is a leading online direct lender founded in 2012 that utilizes advanced underwriting technology to provide short-term loans to Americans in need. Mikinok is wholly owned and operated by the Turtle Mountain Band of Chippewa Indians of North Dakota, a Federally-recognized Native American Tribe (the “Tribe”).
Mikinok Enterprises is an integral part of the Tribe’s economic development efforts, and it is an essential provider of employment opportunities on the Tribe’s reservation. Employment decisions at Mikinok are based on qualifications, ability, and merit. When qualifications are equal, candidates who are enrolled members of the Tribe will receive preference.
After considering this preference, it is Mikinok’s policy to provide equal employment opportunity to all qualified persons without regard to race, color, religion, sexual orientation, age, disability, or national origin.
LAYIQ is an independent job-discovery service. This listing does not imply a partnership with or endorsement by the employer. Review the original posting for current details and availability.
Employer posted: