Credit Bureau Business Analyst

SoFi is a next-generation financial services company and national bank focused on transforming personal finance. The Credit Bureau Business Analyst will manage bureau relationships, drive data-informed strategies, and collaborate with various teams to optimize credit data usage and support risk and product strategies.

Responsibilities:

• Serve as the primary owner and point of contact for assigned credit bureau relationships, working directly with Experian, TransUnion, Equifax, and other data providers
• Drive end-to-end bureau execution and strategy for products and initiatives, including issue resolution, data quality improvements, and rule interpretation
• Use SQL and data analysis to identify trends, uncover root causes, and translate insights into actionable business recommendations
• Analyze credit data performance, dispute trends, and bureau feedback to proactively identify risks and optimization opportunities
• Partner cross-functionally with Risk, Product, Compliance, Legal, Disputes, Procurement, and Data teams to align on strategy and execution
• Lead and contribute to initiatives with department- and function-level impact, including new product onboarding and bureau-related programs
• Evaluate trade-offs and make principle-based decisions that balance risk, cost, and customer impact
• Support and enhance risk management and compliance controls related to credit data (FCRA and related regulations)
• Provide clear, concise reporting and insights to leadership, including performance trends, risks, and opportunities
• Proactively communicate progress, blockers, and escalations, operating with a high level of ownership and accountability

Requirements:

• Bachelor's degree and 5+ years of relevant experience, or equivalent practical experience
• Direct experience working with credit bureaus (Experian, TransUnion, Equifax) or third-party credit data providers
• Demonstrated experience owning or directly managing external vendor or bureau relationships
• Hands-on experience using SQL to analyze data and support decision-making
• Proven ability to operate independently and drive cross-functional initiatives from problem identification through execution
• Strong analytical mindset with the ability to connect data insights to business impact
• Working knowledge of FCRA and GLBA
• Excellent communication skills, with the ability to influence stakeholders without direct authority
• Ability to thrive in ambiguous or evolving environments and drive clarity
• Experience in risk strategy, credit strategy, or fraud strategy environments
• Experience supporting multiple products or business lines
• Exposure to vendor negotiations, procurement, or cost optimization initiatives
• Experience with disputes operations, audits, or regulatory reviews