Best Egg
Finance / FinServ
SeniorCreditRiskAnalyst–Verifications
“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
Applying for this Senior Credit Risk Analyst –Verifications role?
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