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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 doServe as the primary execution partner and business liaison for credit reporting agencies, including Experian, TransUnion, and Equifax
Own bureau-facing execution for assigned products and initiatives, including issue resolution, rule interpretation, and data quality improvement
Analyze credit data trends, dispute drivers, and bureau feedback to identify risks and improvement opportunities
Independently lead and contribute to projects with department- and function-level impact, including new product onboarding and bureau initiatives
Use data to identify root causes, assess trade-offs, and make principle-based recommendations
Partner with Risk, Legal, Compliance, Disputes, Procurement, Product, and Data teams to drive aligned outcomes
Support the implementation and maintenance of risk management and compliance controls related to credit reporting
Provide regular reporting and insights on bureau performance, data quality metrics, and operational trends
Proactively communicate progress, risks, and escalations to management on an appropriate cadence
Operate as an individual contributor with no people management responsibilities, owning workstreams and outcomes independently
Bachelor’s degree and 5+ years of related experience, or equivalent combination of education and experience
Direct experience working with credit reporting agencies (Experian, TransUnion, Equifax) and/or third-party credit data providers
Strong understanding of credit data flows, furnishing processes, and operational standards
Working knowledge of FCRA and related credit reporting regulations
Proven ability to independently manage complex, cross-functional work
Ability to operate effectively in evolving or fluid organizational environments
Strong analytical skills with the ability to use data to drive decisions
Excellent written and verbal communication skills, with the ability to influence without authority
Experience supporting multiple credit products or business units
Exposure to disputes operations, bureau audits, or regulatory reviews
Experience partnering with Procurement, Legal, or Risk teams
Top Skills
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