Credit Bureau Business Analyst

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Who we are:

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Together with our members, we’re changing the way people think about and interact with personal finance.

We’re a next-generation financial services company and national bank using innovative, mobile-first technology to help our millions of members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront. We’re proud to come to work every day knowing that what we do has a direct impact on people’s lives, with our core values guiding us every step of the way. Join us to invest in yourself, your career, and the financial world.

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

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Serve as the primary execution partner and business liaison for credit reporting agencies, including Experian, TransUnion, and Equifax

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Own bureau-facing execution for assigned products and initiatives, including issue resolution, rule interpretation, and data quality improvement

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Analyze credit data trends, dispute drivers, and bureau feedback to identify risks and improvement opportunities

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Independently lead and contribute to projects with department- and function-level impact, including new product onboarding and bureau initiatives

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Use data to identify root causes, assess trade-offs, and make principle-based recommendations

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Partner with Risk, Legal, Compliance, Disputes, Procurement, Product, and Data teams to drive aligned outcomes

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Support the implementation and maintenance of risk management and compliance controls related to credit reporting

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Provide regular reporting and insights on bureau performance, data quality metrics, and operational trends

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Proactively communicate progress, risks, and escalations to management on an appropriate cadence

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Operate as an individual contributor with no people management responsibilities, owning workstreams and outcomes independently

What you’ll need

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Bachelor’s degree and 5+ years of related experience, or equivalent combination of education and experience

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Direct experience working with credit reporting agencies (Experian, TransUnion, Equifax) and/or third-party credit data providers

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Strong understanding of credit data flows, furnishing processes, and operational standards

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Working knowledge of FCRA and related credit reporting regulations

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Proven ability to independently manage complex, cross-functional work

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Ability to operate effectively in evolving or fluid organizational environments

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Strong analytical skills with the ability to use data to drive decisions

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Excellent written and verbal communication skills, with the ability to influence without authority

Nice to have

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Experience supporting multiple credit products or business units

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Exposure to disputes operations, bureau audits, or regulatory reviews

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Experience partnering with Procurement, Legal, or Risk teams

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at SoFi page!

SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.

The Company hires the best qualified candidate for the job, without regard to protected characteristics.

Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.

New York applicants: Notice of Employee Rights

SoFi is committed to an inclusive culture. As part of this commitment, SoFi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email [email protected].

Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.