Develop a strong understanding of MeridianLink decisioning platforms, including MeridianLink Consumer and DecisionLender, and how applications flow through the underwriting and approval process.
Analyze credit bureau data, application data, and loan performance data to evaluate portfolio risk, approval trends, and delinquency patterns.
Review and assess underwriting guidelines, scorecards, and decision rules to identify opportunities for optimization.
Interpret consumer credit reports, including tradelines, inquiries, utilization, and public records, to support risk profiling and policy recommendations.
Evaluate key lending metrics such as approval rate, decline rate, capture rate, delinquency, charge-offs, and loss rates.
Support clients in balancing risk management and growth through data-backed policy and strategy recommendations.
Prepare client-facing reports and dashboards that clearly communicate portfolio performance and risk trends.
Lead and participate in client meetings to present findings, explain credit risk drivers, and discuss optimization strategies.
Collaborate with internal analytics, engineering, and product teams to deliver high-quality analytics solutions.
Ensure accuracy and consistency across all analytical deliverables.
Contribute to internal best practices, documentation, and training related to credit risk and lending analytics.
Assist in developing scalable tools and templates for portfolio monitoring and underwriting analysis.
Serve as a trusted advisor to clients on industry best practices in credit risk management and consumer lending.
Qualifications
Bachelor’s degree in Finance, Economics, Business, Statistics, Mathematics, Data Analytics, or a related field preferred.
3–6 years of experience in credit risk analysis, underwriting, lending analytics, or financial services consulting preferred.
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