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MeridianLink logo
MeridianLink

Connecting You to Better: MeridianLink is the developer of the industry's first multi-channel loan origination system.

Data Analytics Consultant, Credit Specialist

Data AnalystData AnalystOtherRemoteSeniorTeam 501-1,000Since 1998H1B SponsorCompany SiteLinkedIn

Location

United States

Posted

129 days ago

Salary

$74.3K - $108K / year

Seniority

Senior

Bachelor Degree3 yrs expEnglishPythonSQL

Job Description

Data Analytics Consultant, Credit Specialist

MeridianLink

• 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.

Job 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

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