Business Analyst Credit Strategy & Analytics

Location: Philadelphia / Hybrid

Company: Fidem Financial

Employment Type: Full-time

Fidem Financial is seeking a motivated Business Analyst to join our growing team focused on credit card portfolio strategy, analytics, and business development. This role is ideal for candidates with 2–3 years of experience in a banking environment who are looking to deepen their expertise in credit card performance analysis, portfolio management, and financial strategy.

Fidem Financial is seeking a motivated Business Analyst to join our growing team focused on credit card portfolio strategy, analytics, and business development. This role is ideal for candidates with approximately 3 or more years of experience in a banking or financial services environment who are looking to deepen their expertise in credit card performance analysis, portfolio management, and financial strategy.
 
 As a Business Analyst, you will partner with internal stakeholders across finance, operations, and business development to support decision-making, analyze portfolio trends, and identify growth opportunities within our consumer credit business.

• Analyze credit card performance metrics, including acquisition, usage, delinquency, and profitability trends.


• Develop actionable insights to optimize pricing, product features, and customer engagement.


• Build and maintain financial models to support business initiatives, forecasts, and profitability assessments.


• Prepare and automate regular dashboards and management reports highlighting key performance indicators.


• Monitor market trends, credit card industry developments, and competitor activity to inform strategy.


• Work closely with teams in finance, marketing, risk, and operations to assess business opportunities and streamline processes.


• Support the preparation of investment cases, including opportunity sizing, cost-benefit analysis, DCF and ROI modeling.


• Identify inefficiencies in current reporting and analytical processes and recommend data-driven improvements.

• Bachelor’s degree in Finance, Economics, Business Analytics, or a related field.


• 3 years of relevant experience in banking, credit cards, or consumer lending.


• Strong proficiency in Excel and data visualization tools (e.g., Power BI, Tableau). SQL or Python experience a plus.


• Demonstrated experience in financial modeling, forecasting, and trend analysis.


• Understanding of credit card P&L drivers, interchange, rewards, charge-off dynamics, and regulatory environment.


• Excellent verbal and written communication skills with the ability to convey analytical findings to non-technical audiences.


• Proven ability to collaborate across multiple functions and thrive in a fast-paced environment.

• Collaborative and growth-oriented environment.


• Exposure to strategic initiatives in payments, consumer credit, and M&A.


• Opportunities for professional development and advancement within the firm. 

Equal Employment Opportunity Statement
Fidem Financial provides equal employment opportunities to all employees and applicants without regard to race, color, religion, sex (including pregnancy, gender identity, and sexual orientation), national origin, age, disability, veteran status, or any other protected characteristic under applicable federal, state, or local law. We celebrate diversity and are committed to creating an inclusive environment for all employees.