Senior Credit Risk Analyst –Verifications

*Best Egg, now part of Barclays, is a market-leading, tech-enabled financial platform helping people build financial confidence through innovative lending solutions and financial health tools. As a Barclays company, we combine the agility and customer focus of a fintech with the global reach, stability, and purpose of a leading financial institution—working together to create a better financial future for our customers and communities.*

*At Best Egg, you’ll find a culture grounded in our core values—putting people first, creating clarity, delivering with excellence —enhanced by Barclays’ commitment to integrity, inclusion, and long-term impact. Together, we empower our colleagues to challenge, innovate, and take ownership while making a meaningful difference in people’s financial lives.*

*With the strength of Barclays behind us, we offer expanded opportunities for growth, development, and career mobility across a global organization—while continuing to build the products and experiences that make Best Egg unique.*

*We’re looking for collaborative, curious problem-solvers who are excited to make an impact and grow with us.*

*We’re proud to be an equal opportunity employer committed to building a diverse and inclusive team.*

**About the Role**

We’re hiring a Senior Credit Risk Analyst to lead **verification strategy for our personal loan product**. You’ll design and optimize how we use **vendor data, credit bureau data, and internal signals** to validate income, evaluate credit risk and improve underwriting decisions.

his role is highly leveraged—you’ll directly influence **funding volume and early credit performance** by determining when and how to **step up verification** across the application funnel.

### What You'll Do

• Build and scale income **verification strategies** for personal loans
• Leverage credit **bureau + vendor data** (payroll, cashflow, alternative data)
• to detect income inconsistencies and risk signals
• Define **verification playbooks, decision rules, and escalation criteria** for manual review
• Quantify and optimize trade-offs across:
• **Approval & conversion rates**
• **Funding / booked loans**
• **Early delinquency & credit losses**
• Design and run **A/B tests and champion/challenger strategies**
• Monitor performance using **funnel metrics, cohort/vintage analysis, and risk segmentation**
• Partner with **Product, Data Science, Fraud, and Credit Underwriting**

Turn analysis into **clear, high-impact recommendations**
### What You Bring

• 5+ years in **credit risk, underwriting strategy, or verification analytics**
• Hands-on experience with:
• **Personal loans or unsecured consumer lending**
• **Credit bureau data**
• **Income / bank / payroll data vendors**
• Proven ability to drive **data-backed strategy decisions and trade-off optimization**
• Experience designing or influencing **verification or underwriting policies**
• Strong SQL; Python/R a plus
• Experience with **Experimentation and Swapset analysis**

### Nice to Have

• Deep experience with **income verification vendors and workflows**
• Familiarity with **credit risk, underwriting strategy and first-party fraud**
• Experience in **fintech or high-growth lending environments**

### Impact

• Drive better funding quality and early credit performance
• Optimize **verification strategy to maximize conversion and funding efficiency**
• Reduce operating cost