Senior Credit Risk Analyst – Verifications

Best Egg

Senior Credit Risk Analyst leading verification strategy for personal loan product at a tech-enabled financial platform. Designing and optimizing vendor and credit bureau data usage for risk evaluation.

Posted 5/5/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $130,000 - $150,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Build and scale income verification strategies for personal loans
Leverage credit bureau + vendor data (payroll, cashflow, alternative data) to detect income inconsistencies and risk signals
Define verification playbooks, decision rules, and escalation criteria for manual review
Quantify and optimize trade-offs across:
Approval & conversion rates
Funding / booked loans
Early delinquency & credit losses
Design and run A/B tests and champion/challenger strategies
Monitor performance using funnel metrics, cohort/vintage analysis, and risk segmentation
Partner with Product, Data Science, Fraud, and Credit Underwriting
Turn analysis into clear, high-impact recommendations

Requirements

What you’ll need

5+ years in credit risk, underwriting strategy, or verification analytics
Hands-on experience with:
Personal loans or unsecured consumer lending
Credit bureau data
Income / bank / payroll data vendors
Proven ability to drive data-backed strategy decisions and trade-off optimization
Experience designing or influencing verification or underwriting policies
Strong SQL; Python/R a plus
Experience with Experimentation and Swapset analysis

Benefits

Comp & perks

Pre-tax and post-tax retirement savings plans with a competitive company matching program
Generous paid time-off plans including vacation, personal/sick time, paid short-term and long-term disability leaves, paid parental leave, and paid company holidays
Multiple health care plans to choose from, including dental and vision options
Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs
Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

SQLPythonRcredit risk analysisunderwriting strategyverification analyticsA/B testingdata analysistrade-off optimizationrisk segmentation

Soft Skills

data-backed decision makingcommunicationcollaborationrecommendation formulationproblem-solvingstrategic thinkinganalytical thinkinginfluencingperformance monitoringpolicy design