Credit Bureau Business Analyst

4 weeks ago
Full-time
Senior
Data Science and Analytics
SoFi

SoFi

SoFi specializes in providing a comprehensive financial platform that empowers individuals to achieve their financial goals through services such as student loan refinancing, debt consolidation, home buying assistance, and investment opportunities, all...

Capital Markets
1K-5K
Founded 2011
$2900M raised

Description

  • Serve as the primary owner and point of contact for assigned credit bureau relationships and other data providers.
  • Drive end-to-end bureau execution and strategy for products and initiatives, including issue resolution and data quality improvements.
  • Use SQL and data analysis to identify trends, uncover root causes, and turn insights into business recommendations.
  • Analyze credit data performance, dispute trends, and bureau feedback to identify risks and optimization opportunities.
  • Partner cross-functionally with Risk, Product, Compliance, Legal, Disputes, Procurement, and Data teams to align strategy and execution.
  • Lead and contribute to initiatives with department- and function-level impact, including new product onboarding and bureau programs.
  • Evaluate trade-offs and make principle-based decisions that balance risk, cost, and customer impact.
  • Support and enhance risk management and compliance controls related to credit data and reporting regulations.
  • Provide clear reporting and insights to leadership on performance trends, risks, and opportunities.
  • Communicate progress, blockers, and escalations proactively with strong ownership and accountability.

Requirements

  • Bachelor’s degree and 5+ years of relevant experience, or equivalent practical experience.
  • Direct experience working with credit bureaus such as Experian, TransUnion, and Equifax, or third-party credit data providers.
  • Experience owning or directly managing external vendor or bureau relationships.
  • Hands-on experience using SQL to analyze data and support decision-making.
  • Proven ability to operate independently and drive cross-functional initiatives from problem identification through execution.
  • Strong analytical mindset with the ability to connect data insights to business impact.
  • Working knowledge of FCRA and GLBA.
  • Excellent communication skills and the ability to influence stakeholders without direct authority.
  • Ability to thrive in ambiguous or evolving environments and drive clarity.
  • Preferred experience in risk strategy, credit strategy, or fraud strategy environments.
  • Preferred experience supporting multiple products or business lines.
  • Preferred exposure to vendor negotiations, procurement, or cost optimization initiatives.
  • Preferred experience with disputes operations, audits, or regulatory reviews.

Benefits

  • Competitive base pay, with final offer determined by experience, skills, and location.
  • Access to SoFi’s comprehensive and competitive benefits package.
  • Reasonable accommodations available for candidates with physical or mental disabilities.
  • Inclusive culture committed to equal employment opportunity.
  • Consideration for qualified applicants with arrest and conviction records under the San Francisco Fair Chance Ordinance.
  • Remote work is not accommodated from Hawaii or Alaska due to insurance coverage issues.

Interested in this position?

Apply directly on the company website

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