Employee Applicant Privacy Notice
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 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
Skills Required
- Bachelor's degree and 5+ years of relevant experience
- Direct experience working with credit bureaus (Experian, TransUnion, Equifax)
- Demonstrated experience owning or directly managing external vendor or bureau relationships
- Hands-on experience using SQL to analyze data
- Working knowledge of FCRA and GLBA
What the Team is Saying
SoFi Compensation & Benefits Highlights
-
Parental & Family Support — Up to 12 weeks fully paid parental leave, paid caregiver leave, fertility/adoption resources, and subsidized backup childcare/eldercare are offered. Pet insurance and family-building support further broaden the coverage.
-
Healthcare Strength — Medical, dental, and vision coverage is paired with company-paid short- and long-term disability and life insurance. Mental-health support via Modern Health and employer HSA contributions enhance overall health support.
-
Leave & Time Off Breadth — Flexible vacation for exempt employees, generous PTO for non-exempt, paid holidays, and early-release “SoFi Fridays” expand time-off options. An additional 16 hours of paid volunteer time underscores community engagement.
SoFi Insights
What We Do
SoFi wasn’t built to be a bank. Or a technology company. We were built for one mission: help people achieve financial independence so they can realize their ambitions. Redefining an entire industry isn’t easy work—and it’s not for the faint of heart. It takes a certain kind of team. People with diverse perspectives and expertise, united by a common sense of purpose. People willing to challenge assumptions but always do the right thing. People proving that innovation and responsibility don’t have to compete, but can come together to create something truly unconventional in the world. For the last eight years, we’ve been charting this new path forward. We call it The SoFi Way. At SoFi, we don’t just talk about culture: we live it. The SoFi Way is how we show up every day, how we make decisions, and how we build for our members, clients, and each other.
Why Work With Us
Together with our members, we’re changing the way people think about and interact with personal finance. We’re a next-generation Fintech company using innovative, mobile-first technology to help our members reach their goals. The industry is going through an unprecedented transformation, and we’re at the forefront.
Gallery
SoFi Offices
Hybrid Workspace
Employees engage in a combination of remote and on-site work.
For the majority of our workforce who work on a hybrid schedule, the in-office requirement is a handful of days per month!
