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.

Responsibilities

• 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

Skills

• 5+ years in credit risk, underwriting strategy, or verification analytics
• Hands-on experience with personal loans or unsecured consumer lending
• Hands-on experience with credit bureau data
• Hands-on experience with 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
• 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

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!

Company Overview

• Best 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 Sponsorship

• Best 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.

Apply To This Job