Credit Bureau Business Analyst

SoFi is a next-generation financial services company and national bank that is transforming the way people interact with personal finance. The Credit Bureau Business Analyst will be responsible for managing bureau relationships and driving data-informed strategies to enhance credit reporting initiatives, requiring collaboration across various departments to optimize data usage and improve outcomes.

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