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 bureau execution and analysis across So Fi’s Credit Reporting Agency relationships. This role focuses on credit data insights, bureau engagement, and risk controls, working cross-functionally to support product onboarding, dispute performance, and bureau governance while enabling leadership to focus on strategy and growth.

What you’ll do

Serve as the primary execution partner and business liaison for credit reporting agencies, including Experian, Trans Union, and Equifax

Own bureau-facing execution for assigned products and initiatives, including issue resolution, rule interpretation, and data quality improvement

Analyze credit data trends, dispute drivers, and bureau feedback to identify risks and improvement opportunities

Independently lead and contribute to projects with department- and function-level impact, including new product onboarding and bureau initiatives

Use data to identify root causes, assess trade-offs, and make principle-based recommendations

Partner with Risk, Legal, Compliance, Disputes, Procurement, Product, and Data teams to drive aligned outcomes

Support the implementation and maintenance of risk management and compliance controls related to credit reporting

Provide regular reporting and insights on bureau performance, data quality metrics, and operational trends

Proactively communicate progress, risks, and escalations to management on an appropriate cadence

Operate as an individual contributor with no people management responsibilities, owning workstreams and outcomes independently

What you’ll need

Bachelor’s degree and 5+ years of related experience, or equivalent combination of education and experience

Direct experience working with credit reporting agencies (Experian, Trans Union, Equifax) and/or third-party credit data providers

Strong understanding of credit data flows, furnishing processes, and operational standards

Working knowledge of FCRA and related credit reporting regulations

Proven ability to independently manage complex, cross-functional work

Ability to operate effectively in evolving or fluid organizational environments

Strong analytical skills with the ability to use data to drive decisions

Excellent written and verbal communication skills, with the ability to influence without authority

Nice to have

Experience supporting multiple credit products or business units

Exposure to disputes operations, bureau audits, or regulatory reviews

Experience partnering with Procurement, Legal, or Risk teams

Compensation and Benefits

The base pay range for this role is listed below. Final base pay offer will be determined based on individual factors such as the candidate’s experience, skills, and location.

To view all of our comprehensive and competitive benefits, visit our Benefits at So Fi page!
So Fi provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion (including religious dress and grooming practices), sex (including pregnancy, childbirth and related medical conditions, breastfeeding, and conditions related to breastfeeding), gender, gender identity, gender expression, national origin, ancestry, age (40 or over), physical or medical disability, medical condition, marital status, registered domestic partner status, sexual orientation, genetic information, military and/or veteran status, or any other basis prohibited by applicable state or federal law.
The Company hires the best qualified candidate for the job, without regard to protected characteristics.
Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records.
New York applicants: Notice of Employee Rights
So Fi is committed to an inclusive culture. As part of this commitment, So Fi offers reasonable accommodations to candidates with physical or mental disabilities. If you need accommodations to participate in the job application or interview process, please let your recruiter know or email accommodations@sofi.com.
Due to insurance coverage issues, we are unable to accommodate remote work from Hawaii or Alaska at this time.

Internal Employees

If you are a current employee, do not apply here - please navigate to our Internal Job Board in Greenhouse to apply to our open roles.