Credit Bureau Business Analyst

SoFi is a next-generation financial services company that is changing the way people interact with personal finance. The Credit Bureau Business Analyst will be responsible for bureau execution and analysis across credit reporting agency relationships, focusing on credit data insights and risk controls while collaborating with various teams to support product onboarding and governance.

Responsibilities:

• 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

Requirements:

• 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
• 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