About the RoleWe're hiring a Senior Credit Risk Analyst to lead
verification strategy for our personal loan product. You'll design and optimize how we use
vendor data, credit bureau data, and internal signals to validate income, evaluate credit risk and improve underwriting decisions.
his role is highly leveraged-you'll directly influence
funding volume and early credit performance by determining when and how to
step up verification across the application funnel.
What You'll Do- 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 recommendationsWhat You Bring- 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
Nice to Have- Deep experience with income verification vendors and workflows
- Familiarity with credit risk, underwriting strategy and first-party fraud
- Experience in fintech or high-growth lending environments
Impact- Drive better funding quality and early credit performance
- Optimize verification strategy to maximize conversion and funding efficiency
- Reduce operating cost
$130,000 - $150,000 a year
Employee BenefitsBest Egg offers many additional benefits for our employees, including (but not limited to):
• 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!
