Best Egg
Finance / FinServ
SeniorCreditRiskAnalyst–Verifications
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“Senior Credit Risk Analyst –Verifications at Best Egg. Skills: Credit risk, Underwriting strategy, Verification analytics, Income verification. Lead verification strategy for personal loan product. Design and optimize use of vendor data, credit bureau data, and internal signals to validate income, evaluate credit risk and improve underwriting decisions”
What You'll Achieve.
Improve underwriting decisions; Influence funding volume and early credit performance; Optimize trade-offs across approval & conversion rates, funding / booked loans, and early delinquency & credit losses; Drive better funding quality and early credit performance; Optimize verification strategy to maximize conversion and funding efficiency; Reduce operating cost
Industry & Context.
Solve problems; Trade-off optimization
What They're Looking For.
Must Have
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
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, Python a plus, R a plus, Experience with Experimentation and Swapset analysis
What You'll Do.
Lead verification strategy for personal loan product
Design and optimize use of vendor data
and internal signals to validate income
evaluate credit risk and improve underwriting decisions
Determine when and how to step up verification across the application funnel
Build and scale income verification strategies for personal loans
Leverage credit bureau + vendor data (payroll
alternative data) to detect income inconsistencies and risk signals
Define verification playbooks
and escalation criteria for manual review
Quantify and optimize trade-offs across approval & conversion rates
funding / booked loans
and 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
and Credit Underwriting
Turn analysis into clear
high-impact recommendations
How You'll Work.
Team & Collaboration
Partner with Product, Data Science, Fraud, and Credit Underwriting; Teamwork
Communication Scope
Open communication drives trust and results; Turn analysis into clear, high-impact recommendations
Full Job Description
## Description 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 applica
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