Develop a strong understanding of MeridianLink decisioning platforms, including MeridianLink Consumer and DecisionLender, and how applications flow through the underwriting and approval process.
Analyze credit bureau data, application data, and loan performance data to evaluate portfolio risk, approval trends, and delinquency patterns.
Review and assess underwriting guidelines, scorecards, and decision rules to identify opportunities for optimization.
Interpret consumer credit reports, including tradelines, inquiries, utilization, and public records, to support risk profiling and policy recommendations.
Evaluate key lending metrics such as approval rate, decline rate, capture rate, delinquency, charge-offs, and loss rates.
Support clients in balancing risk management and growth through data-backed policy and strategy recommendations.
Prepare client-facing reports and dashboards that clearly communicate portfolio performance and risk trends.
Lead and participate in client meetings to present findings, explain credit risk drivers, and discuss optimization strategies.
Collaborate with internal analytics, engineering, and product teams to deliver high-quality analytics solutions.
Ensure accuracy and consistency across all analytical deliverables.
Contribute to internal best practices, documentation, and training related to credit risk and lending analytics.
Assist in developing scalable tools and templates for portfolio monitoring and underwriting analysis.
Serve as a trusted advisor to clients on industry best practices in credit risk management and consumer lending.

Requirements

Bachelor’s degree in Finance, Economics, Business, Statistics, Mathematics, Data Analytics, or a related field preferred.
3–6 years of experience in credit risk analysis, underwriting, lending analytics, or financial services consulting preferred.
Experience working with consumer credit data, bureau reports (Experian, Equifax, TransUnion), or loan performance data strongly preferred.
Solid understanding of consumer lending fundamentals, including underwriting, risk tiers, scorecards, and policy rules.
Experience in analyzing loan performance, delinquency, and loss trends.
Strong analytical and problem-solving skills with the ability to translate data into business recommendations.
Proficiency in Microsoft Excel and PowerPoint for analysis and client presentations.
Familiarity with business intelligence tools (Power BI, Sisense, or similar) preferred.
Experience with SQL, Python, or other analytical tools is a plus but not required.
Strong project management and organizational skills, with the ability to manage multiple client engagements.
Excellent written and verbal communication skills, with the ability to explain credit risk concepts to technical and non-technical audiences.
High attention to detail and strong commitment to data quality and accuracy.

Benefits

Insurance coverage (medical, dental, vision, life, and disability)
Flexible paid time off
Paid holidays
401(k) plan with company match
Remote work

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

credit risk analysisunderwritinglending analyticsdata analysisportfolio monitoringrisk profilingcredit scoringdata visualizationSQLPython

Soft Skills

analytical skillsproblem-solving skillsproject managementorganizational skillscommunication skillsattention to detailclient engagementcollaborationpresentation skillstraining