A consumer FinTech startup, Best Egg provides personalized financial solutions to people who have little to no savings. A division of Marlette Funding, a consumer financing technol
Senior Credit Risk Analyst – Verifications
Location
United States
Posted
37 days ago
Salary
$130K - $150K / year
Seniority
Senior
Job Description
Senior Credit Risk Analyst – Verifications
Best Egg
• 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
Job Requirements
- 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
- 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!
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