Senior Credit Risk Analyst –Verifications

Best Egg is a market-leading, tech-enabled financial platform helping people build financial confidence through a variety of installment lending solutions and financial health tools. We aim to help customers make smart financial decisions and stay on track, so they can be money confident no matter what life throws at them.We offer top-tier benefits and growth opportunities in a culture built on our core values:Put People First – We foster an inclusive, flexible, and fun workplace.Create Clarity – Open communication drives trust and results.Get Things Done – We focus, prioritize, and deliver with excellence.Deliver with Heart – We lead with kindness, humility, and strong teamwork.Listen to Our Customers – Their needs drive our innovation.Barclays has entered into an agreement to acquire Best Egg with closing expected to take place in Q2 2026. This acquisition will give us the resources and capital to continue on our mission and drive our strategy forward. With an aligned culture, lower cost of funds, and increased employee growth opportunities across a global brand, we are excited about the future of the Best Egg brand under the Barclays umbrella.We are looking for collaborative, innovative team players who like to solve problems. There will also be immense opportunities for those willing to dive in. If you're inspired by growth and want to make a real difference, Best Egg is the place for you.We’re proud to be an equal opportunity employer committed to building a diverse, inclusive team.

About the Role

We’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 recommendations

What 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

Employee Benefits

Best 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 matchingprogram· Generous paid time-off plans including vacation, personal/sick time, paid short--term and long-term disability leaves, paid parental leave, and paid companyholidays· Multiple health care plans to choose from, including dental and vision options· Flexible Spending Plans for Health Care, Dependent Care, and HealthReimbursement Accounts· Company-paid benefits such as life insurance, wellness platforms, employeeassistance programs, and Health Advocate programs· Other great discounted benefits include identity theft protection, pet insurance,fitness center reimbursements, and many more!In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here

Originally posted on Himalayas