Credit Bureau Business Analyst
Social Finance, Inc. (SoFi), Cottonwood Heights, UT, United States
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 drive clarity
Nice to Have
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
Compensation and Benefits
The base pay range for this role is $70,400.00 - $132,000.00 per year. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. This role is also eligible for a bonus and competitive benefits. To learn more, visit the
Benefits at SoFi
page.
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, gender identity, gender expression, national origin, ancestry, age (40 or over), disability, marital status, sexual orientation, genetic information, military or veteran status, or any other basis prohibited by applicable state or federal law.
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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 drive clarity
Nice to Have
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
Compensation and Benefits
The base pay range for this role is $70,400.00 - $132,000.00 per year. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location. This role is also eligible for a bonus and competitive benefits. To learn more, visit the
Benefits at SoFi
page.
SoFi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, gender identity, gender expression, national origin, ancestry, age (40 or over), disability, marital status, sexual orientation, genetic information, military or veteran status, or any other basis prohibited by applicable state or federal law.
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