Credit Bureau Business Analyst

Confirmed live in the last 24 hours

SoFi

United States

Remote

Posted April 17, 2026

Job Description

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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.

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 owning bureau relationships, driving data-informed strategy, and executing against SoFi’s Credit Reporting Agency (CRA) initiatives.

This role sits at the intersection of credit data, vendor management, and business strategy—requiring someone who can move beyond reporting to analyze, influence, and drive decisions across the credit bureau ecosystem. You will work directly with bureaus (Experian, TransUnion, Equifax) and internal partners to optimize data usage, improve outcomes, and support risk and product strategies.

What You’ll Do

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

What You’ll Need

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 driv