Credit Bureau Business Analyst

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

• Serve 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

What you’ll need

• 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

Nice to have

• 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