Senior Credit Risk Analyst – Verifications

🕒 May 5

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Best Egg

WebsiteLinkedInAll Job Openings

501 - 1000 employees

Founded 2014

💸 Finance

💳 Fintech

👥 B2C

Finance • Fintech • B2C

Best Egg is a lending company that offers a range of financial products and services, including personal loans, debt consolidation, credit card refinancing, and secured loans using vehicle equity or homeowner discounts. The company emphasizes hassle-free and fast financial service, with an online platform that allows users to manage their accounts, view offers, and access various financial health resources. Best Egg aims to support customers in building a brighter financial future by offering competitive rates and personalized loan terms. Best Egg loans are facilitated through partnerships with banks and are available in various amounts, with flexible terms and conditions.

📋 Description

• 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

🎯 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!