Who we are
- Shape a brighter financial future with us.
- Together with our members, we’re changing the way people think about and interact with personal finance.
The role
- The Credit Bureau Business Analyst is a highly autonomous individual contributor responsible for bureau execution and analysis across SoFi’s Credit Reporting Agency relationships. This role focuses on credit data insights, bureau engagement, and risk controls, working cross-functionally to support product onboarding, dispute performance, and bureau governance while enabling leadership to focus on strategy and growth.
What you’ll do
- Serve as the primary execution partner and business liaison for credit reporting agencies, including Experian, TransUnion, and Equifax
- Own bureau-facing execution for assigned products and initiatives, including issue resolution, rule interpretation, and data quality improvement
- Analyze credit data trends, dispute drivers, and bureau feedback to identify risks and improvement opportunities
- Independently lead and contribute to projects with department- and function-level impact, including new product onboarding and bureau initiatives
- Use data to identify root causes, assess trade-offs, and make principle-based recommendations
- Partner with Risk, Legal, Compliance, Disputes, Procurement, Product, and Data teams to drive aligned outcomes
- Support the implementation and maintenance of risk management and compliance controls related to credit reporting
- Provide regular reporting and insights on bureau performance, data quality metrics, and operational trends
- Proactively communicate progress, risks, and escalations to management on an appropriate cadence
- Operate as an individual contributor with no people management responsibilities, owning workstreams and outcomes independently
- Serve as the primary execution partner and business liaison for credit reporting agencies, including Experian, TransUnion, and Equifax
- Own bureau-facing execution for assigned products and initiatives, including issue resolution, rule interpretation, and data quality improvement
- Analyze credit data trends, dispute drivers, and bureau feedback to identify risks and improvement opportunities
- Independently lead and contribute to projects with department- and function-level impact, including new product onboarding and bureau initiatives
- Use data to identify root causes, assess trade-offs, and make principle-based recommendations
- Partner with Risk, Legal, Compliance, Disputes, Procurement, Product, and Data teams to drive aligned outcomes
- Support the implementation and maintenance of risk management and compliance controls related to credit reporting
- Provide regular reporting and insights on bureau performance, data quality metrics, and operational trends
- Proactively communicate progress, risks, and escalations to management on an appropriate cadence
- Operate as an individual contributor with no people management responsibilities, owning workstreams and outcomes independently
What you’ll need
- Bachelor’s degree and 5+ years of related experience, or equivalent combination of education and experience
- Direct experience working with credit reporting agencies (Experian, TransUnion, Equifax) and/or third-party credit data providers
- Strong understanding of credit data flows, furnishing processes, and operational standards
- Working knowledge of FCRA and related credit reporting regulations
- Proven ability to independently manage complex, cross-functional work
- Ability to operate effectively in evolving or fluid organizational environments
- Strong analytical skills with the ability to use data to drive decisions
- Excellent written and verbal communication skills, with the ability to influence without authority
- Bachelor’s degree and 5+ years of related experience, or equivalent combination of education and experience
- Direct experience working with credit reporting agencies (Experian, TransUnion, Equifax) and/or third-party credit data providers
- Strong understanding of credit data flows, furnishing processes, and operational standards
- Working knowledge of FCRA and related credit reporting regulations
- Proven ability to independently manage complex, cross-functional work
- Ability to operate effectively in evolving or fluid organizational environments
- Strong analytical skills with the ability to use data to drive decisions
- Excellent written and verbal communication skills, with the ability to influence without authority
Nice to have
- Experience supporting multiple credit products or business units
- Exposure to disputes operations, bureau audits, or regulatory reviews
- Experience partnering with Procurement, Legal, or Risk teams
- Experience supporting multiple credit products or business units
- Exposure to disputes operations, bureau audits, or regulatory reviews
- Experience partnering with Procurement, Legal, or Risk teams
