Data Analytics Consultant (Credit Specialist)

MeridianLink is seeking a Data Analytics Consultant with a strong foundation in credit risk analysis and consumer lending performance to support financial institutions in optimizing their underwriting and decisioning strategies.

Requirements

• 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.

Benefits

• 401k Matching
• Generous Paid Time Off