Senior Credit Risk Analyst –Verifications

Best Egg•Wilmington, DE

About The Position

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, Create Clarity, Get Things Done, Deliver with Heart, and Listen to Our Customers. 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. This 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.

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

Nice To Haves

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

Responsibilities

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

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!

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