Senior Credit Risk Analyst -Verifications
$120k - $140kBest Egg
Senior Credit Risk Analyst
Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.
At Best Egg, you'll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence—enhanced by Barclays' commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people's financial lives.
With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique.
We're looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.
We're proud to be an equal opportunity employer committed to building a diverse and 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.
What You'll Do
- 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
What You Bring
- 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 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
Impact
- Drive better funding quality and early credit performance
- Optimize verification strategy to maximize conversion and funding efficiency
- Reduce operating cost
$120,000 - $140,000 a year
Employee Benefits
Best Egg offers many additional benefits for our employees, including (but not limited to):
· 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!
In compliance with the CCPA, Best Egg is fully committed to handling the personal information and data of employees and job applications responsibly with respect and due care. Review our CCPA Employee Policy here
- Citibank, N.A. seeks a Credit Portfolio Officer for its Wilmington, Delaware location. The role involves quantitative analyses to identify high-risk pockets, design credit tests, and develop underwriting strategies within Citi's risk appetite. The incumbent will develop...SeniorRemote job
- ...Data Analyst Opportunity Come join a growing financial technology company that's leading... ...in both the marketing and servicing of credit cards! Continental Finance Company specializes... ...a Data Analyst to support our Credit Risk team. Seeking a Data Analyst to support...SuggestedCasual workWork at officeRemote workMonday to Friday
Continental Finance Company
Wilmington, DE1 day ago - JPMorganChase & Co. in the United States seeks an Analyst in Credit Risk Management to deliver analytics and insights for co-brand portfolios and new product features. You will collaborate across Risk, Product, Marketing, and Technology to balance risk and business objectives...Suggested
- JPMorgan Chase in the United States is seeking an Analyst in Credit Risk Management to support Chase Card Services by delivering analytics and insights that inform credit risk decisions for co-brand portfolio initiatives and new product features. You will partner across...Suggested
- JPMorganChase in the United States is seeking an Analyst for Credit Risk Management to deliver analytics and insights that inform decisions on... ..., identifying risks, performing root cause analysis, and presenting insights to senior #J-18808-Ljbffr Next Frontier CapitalSuggested
- A leading financial technology firm is looking for a Data Analyst to support their Credit Risk team. This role involves executing direct mail and Invitation-To-Apply campaigns, performing credit risk analysis, and optimizing campaign performance. The ideal candidate will...
$113.3k - $188.8k
Overview:The Senior Model Validation Analyst is responsible for executing robust, independent validations... ...a key control function within Model Risk Management (MRM), ensuring models are... ...families including Consumer CCAR and CECL credit risk models, AI/ML models,...SeniorFull timeWork experience placement- Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong... ...information, design and test strategies that balance growth and credit risk, and maintain robust controls and documentation to ensure...Senior
- ...talent. It all begins with you.Wells Fargo Bank N.A. seeks a Senior Risk Analytics Consultant in Wilmington, DE.Job Role and Responsibility... ...products. Produce analytics and management reporting on credit loss performance, profitability trends, and emerging risks by...SeniorFull timeRemote work2 days per week
- JPMorgan Chase is seeking a candidate for a risk analytics role within Risk Management and Compliance. You will lead analytics to develop and optimize Authorization Risk Management strategies for Business Cards, aligning with loss mitigation objectives and strong controls...Senior
- JPMorgan Chase in Wilmington, DE is seeking an analytical professional to support Risk Management and Compliance. This role involves completing annual CCAR and quarterly Risk Appetite, collaborating with various teams, and enhancing reporting processes. The ideal candidate...Senior
- Citibank, N.A. in Wilmington, Delaware seeks a Credit Portfolio Officer to perform quantitative risk analyses and design underwriting strategies. You will develop a framework for portfolio risk assessment and monitor performance metrics across card products. The role requires...
- JPMorgan Chase in Wilmington, DE, is seeking a Senior Analytics professional to lead Authorization Risk Management strategies for Business Cards. You will translate complex data into actionable risk controls, collaborate with Risk, Finance and Product teams, and help optimize...Senior
- M&T Bank is seeking an Institutional Services Risk Control Design Specialist based in Wilmington, DE. The role focuses on analyzing process and control design, coordinating with business partners to review processes and design controls that meet risk management objectives...Senior
- Merrick Bank is seeking an experienced Enterprise Risk Management professional in Delaware to support governance, risk identification... ...data from multiple sources, and prepare concise dashboards for senior management while ensuring compliance with regulatory expectations...Senior
- Capital One is seeking a Senior Risk Associate to join the Conduct Risk and Sales Practices Program in the Retail Bank, Capital One Shopping, and Enterprise Payments groups. The role focuses on monitoring associate conduct, analyzing trends, and collaborating with Compliance...Senior
- Join a newly established first-line credit function where your analytical expertise and strategic thinking will directly influence... ...alongside the impact you create.As a Card Acquisitions Risk Strategy Senior Associate in the Card Credit Decisioning team, you will define...SeniorWork visa
$96.5k - $110.1k
Senior Risk Specialist | Retail Bank The Conduct Risk and Sales Practices Program team supporting the Retail Risk MPG (Monitoring, Process, & Governance) mission is a passionate and dynamic team of risk professionals focused on enhancing the risk profile of our Retail Bank...SeniorPermanent employmentFull timePart timeWork at officeLocal area- ...NO THIRD PARTIES Only local candidates will be contacted We are seeking a highly motivated GRC Analyst to support the modernization and transformation of our Governance, Risk, and Compliance (GRC) program. This role is ideal for someone with a strong technical and automation...SeniorContract workLocal area
- ...customers nationwide. What We Do We provide credit cards, recreational loans, deposit... ...across the Bank, ensuring consistency in risk identification, assessment, monitoring, and... ...Produces concise, decision‑useful reporting for senior management and risk governance committees...SeniorTemporary work
- Job Description As part of Risk Management and Compliance at JPMorgan Chase, you are at the center of keeping the firm strong and resilient. You help the business grow responsibly by anticipating new and emerging risks and using your expert judgement to solve real‑world...Senior
- ...Bank in Buffalo, NY is seeking a quantitative analyst to develop statistical and machine learning models... ...solutions. The role collaborates with senior modelers and stakeholders across EDD, FIU, Technology and Model Risk Management, follows internal controls, and contributes...SeniorWork at office
- Company DescriptionSystem Canada resources have a broad range of skills in different technologies. The large skill-set has been made possible by a conscious focus on strengthening our skills base. Every person selected for our team brings something new, something that adds...Senior
- A leading financial services firm is seeking a Senior Compliance Advisor to manage regulatory compliance across marketing initiatives. Responsibilities include tracking advertising materials, designing compliant product offerings, and conducting compliance training. The...Senior
$144.48k - $216.72k
...: 2026-07-27Location: Wilmington, Delaware, United StatesSalary: $144,480.00 - $216,720.00Category: Risk Management, ProfessionalCompany: CitiThe Credit Portfolio Senior Officer I is a senior-level position responsible for leading activities including credit review, credit...SeniorFull time- JPMorganChase is seeking an Acquisitions Risk, Strategic Cobrand Analytics Senior Associate to lead analytics for acquisition risk management on the Card Risk team, aligning with risk, finance, and product stakeholders to optimize strategies and controls. Responsibilities...Senior
- OneMain Financial in Wilmington, DE offers a hybrid role focused on optimizing credit risk underwriting and pricing strategies to drive revenue growth and improve profitability. You will pull and analyze data across multiple systems and translate insights into actionable...Senior
- Citigroup Inc. is looking for a Credit Portfolio Officer in Wilmington, Delaware. This senior-level position involves leading credit review, approvals, and monitoring portfolio risks. The ideal candidate will have 6-10 years of experience in credit risk management and...Senior
- Citi in Wilmington, Delaware seeks a senior Credit Portfolio Senior Officer I to lead credit review, approvals, and monitoring of the portfolio globally in coordination with Risk Management. The role focuses on governance, risk assessment, and portfolio performance. The...Senior
$85.8k - $143k
...and monitoring—while working closely with senior modelers to deliver analytically sound... ...stakeholders across EDD, FIU, Technology, and Model Risk Management Ensure adherence to internal... ...expectations Provide guidance to junior analysts where appropriate Understand and adhere...SeniorWork experience placementWork at office
Do you want to receive more vacancies?
Subscribe and receive similar vacancies to Senior Credit Risk Analyst -Verifications. Be the first to apply!
- senior lead project manager Wilmington, DE
- senior robotics software engineer Wilmington, DE
- senior devops engineer remote Wilmington, DE
- senior sas administrator Wilmington, DE
- senior IT manager Wilmington, DE
- sr project manager Wilmington, DE
- senior windows systems engineer Wilmington, DE
- consultant senior consultant Wilmington, DE
- senior manager data science Wilmington, DE
- senior trust officer Wilmington, DE