Direct Mail Analyst

Role and Responsibilities

We are looking for a Credit Risk Analyst to drive our Direct Marketing activities.  This person will be responsible for partnering with growth marketing to develop and execute our regular targeted direct marketing activities; executing monthly campaigns and population selection strategy.  Success ultimately lies in optimizations of our direct marketing strategies - inclusive of assessing new data vendors, test design and execution, implementing new analytic frameworks, and optimizing existing strategies to drive profitable growth.  

In addition, this Analyst will be responsible for developing reporting on the outcomes of our marketing campaigns.  This person must be comfortable serving as a key thought leader and as decision owner.  Strategic decisions will require balancing growth, risk and profitability. 

We are looking for someone who is hands on, creative, and self motivated.  Someone who enjoys solving complex problems using data driven approaches, and who brings a knowledge of direct marketing and prescreened mail campaigns.

This role will report into the credit and data function, but primarily the growth Marketing Team with substantial opportunity for future growth within the company in concert with driving business expansion. 

Job responsibilities are as follows:

• Campaign Execution and Optimization
• Leverage predictive models (risk and response) to devise selection criteria for targeted offers.  This is inclusive of determining eligibility, channel selection, and approve/decline criteria.
• Help deliver profitable growth through the development of new strategies and the optimization of existing strategies for direct mail and digital acquisition channels through the assessment of credit risk and P&L drivers
• Program Expansion and Test Design
• Establish a robust infrastructure and learning plans  that test into new customer acquisition and direct marketing channels including, exploring new FCRA and non FCRA data sources, scores, and products, as well as approaches to combining data sources, and considering multi-channel marketing strategies. 
• Partner with Marketing and Data scientists to develop testing (A/B testing, design of experiments) to further refine our targeting, creative, channels, and contact frequency.  
• Performance Monitoring
• Develop reporting to monitor and validate campaign performance and various Key Performance Indicators (KPIs), inclusive of acquisitions costs, Response, and Credit Risk performance as well as overall Customer Lifetime Value.
• Drive analysis of root cause for variance from performance (risk and response) expectations.
• Communication and Collaboration
• Develop presentations to share insights and recommendations
• Collaborate across multiple departments such as Marketing, Data source, Campaign Execution, etc. to achieve effectiveness and efficiency and deliver on business goals

Requirements

• Bachelor’s Degree in an analytical field of study: mathematics, statistics, physics, engineering, computer science, etc.
• 3-4 years in an analyst role working on data-driven problem solving.
• 2-3 years of analytical experience in direct marketing for financial services strongly preferred 
• Strong data analysis skills using Python and/or SQL,
• Experience working with DataBricks strongly preferred
• Strong analytical and critical thinking skills and comfort with making data driven decisions
• Ability to organize and manage multiple priorities with a sense of urgency
• Strong attention to details
• Strong communication and presentation skills, leadership skills, a high level of initiative and time management skills
• Self-starter, who can work independently with a high degree of organization on several projects at one time.
• Intellectual curiosity and creativity with a drive to seek out and propose new ideas/solutions.
• Ability to quickly assimilate and analyze large amounts of information.
• Knowledge of credit risk, financial analysis and profitability drivers.