Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.
At Best Egg, you’ll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence —enhanced by Barclays’ commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people’s financial lives.
With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique.
We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.
We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team.
This role owns processes, models, and assumptions used to estimate expected credit losses for credit strategy calibration, capital and reporting purposes. You will partner closely with Credit Strategy, Capital Markets, and Data teams to ensure forecasts are accurate, explainable, and aligned with business expectations.
Core Responsibilities
- Lead development, improvement and monitoring of processes for payment default and balance persistency guidance for personal loans
- Own forward looking guidance and performance outcomes of material portfolio segments
- Provide scenario analysis and financial impact sizing from changes in credit underwriting and pricing policy.
- Assess macroeconomic trends and adjust expectations accordingly
- Partner with Capital Markets, Credit Strategy on return targets
- Ensure decision logic is scalable, compliant, and operationally sound
- Escalate emerging risks with clear analysis and recommendations
- Maintain governance standards and strategy documentation
- Mentor junior team members and promote best practices
Scope and Autonomy
- Operate with high independence and strategic judgment
- Influence major underwriting and pricing strategy changes
- Support highly complex, cross-functional initiatives
- Balance growth, risk, profitability, and regulatory considerations
Required Qualifications
- Bachelor’s degree in quantitative field or equivalent experience
- 6–10 years in credit risk, loss forecasting or portfolio analytics
- Expertise in forecasting payment default behavior and balance persistency for lending products
- Advanced analytical expertise and business judgment
- Proven ability to influence senior stakeholders
What Success Looks Like
- Clear ownership of processes and process outcomes
- Trusted cross-functional partnership
- Demonstrated leadership and mentorship impact
Skills Required
- Bachelor's degree in quantitative field or equivalent experience
- 6-10 years in credit risk, loss forecasting or portfolio analytics
- Expertise in forecasting payment default behavior and balance persistency for lending products
- Advanced analytical expertise and business judgment
- Proven ability to influence senior stakeholders
What We Do
Best Egg is a consumer financial technology platform that aims to help people feel more confident about their everyday finances through a suite of products and resources. Our digital financial platform offers simple, accessible, and personalized financial solutions including personal loans, credit cards, and a financial health resource center. Our culture and values are one of the core reasons why our customers keep returning to Best Egg. We are committed to championing a culture of inclusiveness and diversity of thought, and we focus on providing a safe, flexible, and collaborative work environment. Our associates are encouraged to engage in creative problem solving, and we promote opportunities for growth and enrichment across the organization. If you are inspired by inspiring others, Best Egg is the place for you.
