Credit Risk Analytics Consultant: Lending Strategy

Openkrill; United States; Remote; USD 90,000 - 125,000; Full time

Job summary

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 underwriting and decisioning strategies.

You will partner with clients to evaluate policies, interpret reports, and translate findings into practical lending recommendations, leading multiple engagements and delivering insights that drive responsible growth and portfolio health.

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.
• Experience working with consumer credit data, bureau reports (Experian, Equifax, TransUnion), or loan performance data strongly preferred.
• Solid understanding of consumer lending fundamentals, including underwriting, risk tiers, scorecards, and policy rules.
• Experience in analyzing loan performance, delinquency, and loss trends.
• Strong analytical and problem-solving skills with the ability to translate data into business recommendations.
• Experience and demonstrated expertise in SQL is required.
• Proficiency in Microsoft Excel and PowerPoint for analysis and client presentations.
• Advanced competency in business intelligence tools (Power BI, Sisense, or similar) preferred.
• Strong project management and organizational skills, with the ability to manage multiple client engagements.
• Excellent written and verbal communication skills, with the ability to explain credit risk concepts to technical and non-technical audiences.
• High attention to detail and strong commitment to data quality and accuracy.

Responsibilities

• Develop a strong understanding of MeridianLink decisioning platforms and how applications flow through underwriting and approval.
• Analyze credit bureau data, application data, and loan performance data to evaluate portfolio risk and trends.
• Review underwriting guidelines, scorecards and decision rules to identify optimization opportunities.
• Interpret consumer credit reports to support risk profiling and policy recommendations.
• Evaluate lending metrics such as approval rate, decline rate, capture rate, delinquency, and losses.
• Prepare client-facing reports and dashboards communicating portfolio performance and risk trends.
• Lead client meetings to present findings and discuss optimization strategies.
• Collaborate with analytics, engineering and product teams to deliver analytics solutions.
• Ensure accuracy and consistency across analytical deliverables.
• Contribute to internal best practices, documentation and training related to credit risk.
• Develop scalable tools and templates for portfolio monitoring and underwriting analysis.
• Serve as a trusted advisor on credit risk management and consumer lending.

Job description

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 underwriting and decisioning strategies.

You will partner with clients to evaluate policies, interpret reports, and translate findings into practical lending recommendations, leading multiple engagements and delivering insights that drive responsible growth and portfolio health.