Credit Policy & Decision Engine Analyst

Reach Financial LLC.; United States; On-site; USD 90,000 - 130,000; Full time

Benefits offered by this job

Disability (short-term, long-term)

Spending Accounts (Transit/Parking, MD

Job summary

Reach Financial LLC seeks a highly technical Credit Policy & Decision Engine Analyst to drive the implementation, testing, and optimization of credit policies within our decisioning platform (e.g., Taktile).

You will translate policy into scalable decision logic, develop audit-ready documentation, and partner with Product Engineering, Compliance and Capital Markets to ensure accurate, tested, and optimized credit strategies.

Qualifications

• Bachelor’s degree in a quantitative or technical field (e.g., Data Science, Finance, Engineering, Analytics, Operations and business)
• 3–5 years of experience in fintech, lending, credit risk, or decision systems
• Strong hands-on experience with:
• Rule-based systems, decision engines, or workflow platforms
• Translating business logic into technical decision rules
• Highly detail-oriented, extremely organized, with a strong focus on accuracy and control
• Proven ability to produce clear, structured, and comprehensive documentation
• Strong analytical and problem-solving skills with ability to work with complex datasets and logic

Responsibilities

• Translate credit policies into structured decision rules (eligibility, approval/decline, pricing, workflows)
• Configure, maintain, and optimize decision logic in Taktile or similar rule-based platforms
• Conduct scenario testing, UAT, and rule validation to ensure accurate system behavior
• Analyze and troubleshoot decisioning issues across rule logic, data inputs, and system workflows
• Monitor decision engine outputs (approvals, declines, routing, exceptions) for accuracy and consistency
• Partner with Product Engineering teams on data integrations, APIs, and system enhancements
• Maintain detailed change logs, test artifacts, and audit documentation for all rule updates
• Support execution and refinement of credit policies for unsecured lending
• Review policy exceptions, edge cases, and manual decision flows
• Identify and elevate policy gaps, data inconsistencies, or operational inefficiencies
• Create and maintain high-quality, structured documentation (SOPs, decision trees, rule logic, workflows)
• Ensure all policies and decision logic are clearly documented, version-controlled, and audit-ready
• Support internal audits, controls, and governance requirements

Skills

Rule-based systems

Decision engines

Data analysis

SQL

APIs/JSON

Python

Documentation

Cross-functional collaboration

Education

Bachelor's degree in a quantitative or technical field

Tools

Taktile

Job description

Reach Financial LLC seeks a highly technical Credit Policy & Decision Engine Analyst to drive the implementation, testing, and optimization of credit policies within our decisioning platform (e.g., Taktile).

You will translate policy into scalable decision logic, develop audit-ready documentation, and partner with Product Engineering, Compliance and Capital Markets to ensure accurate, tested, and optimized credit strategies.