Credit Analyst

Blend360•San Francisco, CA

6d•$40 - $55

About The Position

Blend is a premier AI services provider, committed to co-creating meaningful impact for its clients through the power of data science, AI, technology, and people. With a mission to fuel bold visions, Blend tackles significant challenges by seamlessly aligning human expertise with artificial intelligence. The company is dedicated to unlocking value and fostering innovation for its clients by harnessing world-class people and data-driven strategy. We believe that the power of people and AI can have a meaningful impact on your world, creating more fulfilling work and projects for our people and clients. For more information, visit www.blend360.com Job Description Data & Analytics Analyst (Contract) – Consumer Banking We are seeking a detail-oriented Data & Analytics Analyst to support key initiatives within a Consumer Banking environment. This role will focus on data discovery, performance analysis, and reporting to drive tactical improvements across the customer lifecycle. This is a great opportunity for someone who enjoys working at the intersection of data, business strategy, and process optimization.

Requirements

Bachelor’s degree in Business, Mathematics, Computer Science, Engineering, or a related field
5+ years of experience in credit, lending, banking, financial analysis, or a highly analytical environment
Strong experience analyzing credit data, financial information, and risk metrics
Proven ability to translate data into actionable insights through reports and presentations
Hands-on experience working with data repositories, including data extraction, validation, and reporting outputs
Advanced proficiency in Microsoft Excel and standard Microsoft Office tools
Experience with SQL and database/query tools for data extraction, validation, and reporting workflows
Familiarity with reporting and visualization tools (e.g., Tableau, Power BI) to support KPI tracking and stakeholder communication
Understanding of financial analysis, credit adjudication, and lending systems is preferred
Strong analytical thinking, attention to detail, and problem-solving skills
Excellent communication skills with the ability to present findings to both technical and non-technical audiences

Nice To Haves

Understanding of financial analysis, credit adjudication, and lending systems is preferred

Responsibilities

Develop a strong understanding of internal and external data flows supporting business initiatives
Identify, access, and connect to data sources including data warehouses and third-party platforms
Evaluate existing tools, systems, and platforms used to support analytics and reporting
Analyze current business rules, logic, and system configurations to identify inefficiencies or opportunities for improvement
Map data movement across systems throughout the customer/account lifecycle
Execute data queries to validate accuracy, completeness, and integrity of datasets
Analyze performance metrics to measure success of initiatives and validate expected outcomes
Monitor portfolio health indicators including growth, profitability, and credit performance
Develop and maintain KPI reporting across key business areas such as marketing, underwriting, and account management
Build forecasting models to evaluate the financial impact of proposed solutions
Establish reporting cadence and define metric ownership across stakeholders
Create, execute, and validate recurring reports, ensuring alignment with business and system records
Perform ad hoc analysis to uncover trends, behaviors, and performance drivers
Develop presentation materials to communicate insights and recommendations to business stakeholders
Document reporting logic, data sources, and methodologies to ensure transparency and repeatability
Create and maintain a comprehensive data dictionary to standardize definitions and usage across teams