Senior Credit Risk Analyst -Verifications

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