[Remote] Senior Credit Risk Analyst –Verifications

Note: The job is a remote job and is open to candidates in USA. Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. The Senior Credit Risk Analyst will lead verification strategy for personal loans, optimizing vendor and credit bureau data to validate income and improve underwriting decisions.ResponsibilitiesBuild and scale income verification strategies for personal loansLeverage credit bureau + vendor data (payroll, cashflow, alternative data) to detect income inconsistencies and risk signalsDefine verification playbooks, decision rules, and escalation criteria for manual reviewQuantify and optimize trade-offs across: Approval & conversion rates, Funding / booked loans, Early delinquency & credit lossesDesign and run A/B tests and champion/challenger strategiesMonitor performance using funnel metrics, cohort/vintage analysis, and risk segmentationPartner with Product, Data Science, Fraud, and Credit UnderwritingTurn analysis into clear, high-impact recommendationsSkills5+ years in credit risk, underwriting strategy, or verification analyticsHands-on experience with personal loans or unsecured consumer lendingHands-on experience with credit bureau dataHands-on experience with income / bank / payroll data vendorsProven ability to drive data-backed strategy decisions and trade-off optimizationExperience designing or influencing verification or underwriting policiesStrong SQL; Python/R a plusExperience with Experimentation and Swapset analysisDeep experience with income verification vendors and workflowsFamiliarity with credit risk, underwriting strategy and first-party fraudExperience in fintech or high-growth lending environmentsBenefitsPre-tax and post-tax retirement savings plans with a competitive company matching programGenerous paid time-off plans including vacation, personal/sick time, paid short--term and long-term disability leaves, paid parental leave, and paid company holidaysMultiple health care plans to choose from, including dental and vision optionsFlexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement AccountsCompany-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programsOther great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!Company OverviewBest Egg is a consumer financial technology platform that aims to help people feel more confident about their everyday finances through a suite of products and resources. It was founded in 2013, and is headquartered in Wilmington, Delaware, USA, with a workforce of 501-1000 employees. Its website is https://www.marlettefunding.com.Company H1B SponsorshipBest Egg has a track record of offering H1B sponsorships, with 2 in 2025. Please note that this does not guarantee sponsorship for this specific role.