Senior Credit Risk Analyst –Verifications
Job Location:
Wilmington, DE - USA
Monthly Salary:
Posted on:
Vacancies:
Job Summary
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 institutionworking together to create a better financial future for our customers and communities.
At Best Egg youll find a culture grounded in our core valuesputting 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 peoples financial lives.
With the strength of Barclays behind us we offer expanded opportunities for growth development and career mobility across a global organizationwhile continuing to build the products and experiences that make Best Egg unique.
Were looking for collaborative curious problem-solvers who are excited to make an impact and grow with us.
Were proud to be an equal opportunity employer committed to building a diverse and inclusive team.
About the Role
Were hiring a Senior Credit Risk Analyst to lead verification strategy for our personal loan product. Youll design and optimize how we use vendor data credit bureau data and internal signals to validate income evaluate credit risk and improve underwriting decisions.
his role is highly leveragedyoull directly influence funding volume and early credit performance by determining when and how to step up verification across the application funnel.
What Youll Do
- Build and scale incomeverification 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
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
Required Experience:
Senior IC
About Company
Get low-interest personal loans quickly with Best Egg. Apply online in minutes & receive funds fast. Start your journey to financial stability now!
