
Dive into Portfolio Performance Management
1 week ago
Position Overview:
As a data analyst, you will be responsible for managing and optimizing direct mail marketing performance. You will pull and prepare data using SQL to identify target customers for direct mail campaigns.
Key Responsibilities:
- Campaign Targeting & Selection:
- Evaluate historical performance metrics such as response rate, approval rate, conversion rate, loan size, and payment performance.
- Make informed selections for upcoming campaigns based on a combination of quantitative data and qualitative business context.
Performance Analysis & Optimization:
- Maintain and monitor performance metrics.
- Identify and communicate trends, risks, and opportunities to stakeholders.
- Recommend strategies to improve campaign performance and profitability.
Business Decision-Making:
- Use data-driven insights to directly influence credit policy and campaign execution.
- Weigh trade-offs between targeting breadth, expected performance, and operational constraints.
Requirements:
- Experience:
- Minimum 3 years in a consumer lending financial services company managing portfolio performance and making business-driven credit policy decisions.
- Business Acumen:
- Proven track record of interpreting data within a business context to make high-impact decisions.
- Technical Skills:
- SQL – Proficiency in writing complex queries to extract and manipulate large datasets.
- Excel – Advanced skills, including pivot tables, calculated fields, and data visualization.
- Python – Ability to run underwriting (UW) and response rate models to score customer populations for direct mail targeting.
- Analytical Skills:
- Ability to identify performance drivers, isolate anomalies, and develop actionable recommendations.
- Communication:
- Strong verbal and written English skills for presenting findings to non-technical stakeholders.
Preferred/Plus Factors:
- Experience with direct mail marketing in a financial services context.
- Familiarity with credit bureau data and segmentation strategies.
- Understanding of consumer credit products, including installment loans and lines of credit.
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