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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
Top Skills
SoFi San Francisco, California, USA Office
Our new headquarters opened in 2019. The office provides an open work environment, an all-hands area, a café, library, coffee points on every floor, and executive conference rooms. The game room and roof-top lounge area provide space to take a break and look at the incredible downtown view.
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