Posting Title (External Posting) Senior Business Rules Analyst

LendDirect Corp.; Northern (KY); Hybrid; USD 100,000 - 130,000; Full time

Benefits offered by this job

Flexible Paid Time Off

Medical Insurance

Dental

Vision

Life Insurance

Disability

401(k) with company match

Job summary

Attain Finance seeks a Senior Business Rules Analyst to translate credit strategy into robust scoring rules and system configurations. You will collaborate with Risk, Compliance, Scoring, and Tech teams to implement strategy updates, maintain documentation, and support testing and change management activities.

The role requires 3+ years in lending, strong JSON/API knowledge, and experience with third-party integrations. Base salary is competitive with full benefits and 401(k) matching.

Qualifications

• Bachelor's degree or equivalent work experience.
• 3+ years lending/underwriting experience.
• 3+ years in credit strategy and policy documentation creation and maintenance.
• 1+ yr. experience in table-based or Business Rules configuration.
• Strong understanding of JSON payload structures and API-based data exchange.
• Experience onboarding and integrating third-party services (e.g., banking, fraud, underwriting, payment, or CRM platforms).
• Advanced coding analytical skills (Python, Tableau or Sigma).
• Knowledgeable in Microsoft SQL or other SQL Development Environments (Snowflake).
• Accuracy and strong attention to detail a must.
• Proactive and results oriented, can tackle strategic and operational issues.
• Exceptional problem-solving skills, ability to work effectively with minimal direction and accept feedback.
• Ability to prioritize, manage multiple projects, articulate and communicate complex results in a high-pressure environment.
• Ability to understand both technical and non-technical audiences and bridge the gap in communication.
• Motivated, flexible, innovative, self-directed, quick learner and team player.

Responsibilities

• Translate credit strategy recommendations into scoring decisions and track changes to ensure expected outcomes.
• Support model updates and strategy implementation process.
• Maintain documentation including Model Change History, job aids, training manuals, and resource library.
• Review post-implementation documentation for lessons learned and recommending changes.
• Support scoring engine configuration and testing, implementation of new products and scores, changes to existing scores and strategies and adherence to compliance and business requirements.
• Develop and execute testing, implementation, and communication plans for new or modified system parameters, options, product details.
• Develop and administer change control processes and procedures ensuring compliance with guidelines and best practices.
• Maintain documentation required to effectively manage scoring functionality and change history.
• Work with compliance to ensure documentation meets regulatory needs.
• Analyze and report discrepancies to management with recommendations for resolution.
• Support acceptance testing of new software releases.
• Simulate and testing process improvements.
• UAT on System Change Requests to ensure smooth deployment, training effectiveness, and improved customer service.

Skills

Lending experience

Underwriting

JSON payloads

API integration

Python

SQL / Snowflake

Problem-solving

Communication

Education

Bachelor's degree or equivalent

Tools

DigiFi

GDS Link

Provenir

Snowflake

Job description

Overview

Are you ready to make a difference in the world of consumer finance? At Attain Finance, we bring over 50 years of expertise in providing credit solutions across the U.S. and Canada. Our deep roots in the financial industry have empowered us to develop convenient, easily accessible financial services that meet our customers' growing needs.

Join a leading consumer credit lender that thrives on innovation and collaboration, where your contributions are truly valued. Our portfolio includes distinguished brands like Cash Money®, LendDirect® and Heights Finance. Each brand is constantly evolving to better serve our customers.

The Senior Business Rules Analyst supports the Risk team by translating credit strategy recommendations into business rules, decision logic, and system configurations. This role collaborates closely with Risk, Compliance, Scoring, and Technology teams to implement strategy and model updates, maintain documentation, support testing and change management activities, and ensure decisioning processes align with business objectives and regulatory requirements.

Responsibilities

• Integrating with risk and scoring team to understand and interpret strategy recommendations and accurately translating these recommendations into the scoring decision and tracking the changes to ensure expected outcomes

• Supporting model updates and strategy implementation process

• Assisting in maintaining documentation including but not limited to, Model Change History, job aids, training manuals, and resource library

• Reviewing post-implementation documentation for lessons learned and recommending changes

• Supporting scoring engine configuration and testing implementation of new products and scores, changes to existing scores and strategies and adherence to compliance and business requirements

• Developing and executing testing, implementation, and communication plans for new or modified system parameters, options, product details

• Developing and administering change control processes and procedures ensuring compliance with guidelines and best practices

• Developing and maintaining documentation required to effectively manage scoring functionality and change history

• Working with compliance to ensure documentation meets all regulatory needs

• Analyzing and reporting discrepancies to management with recommendations for resolution

• Supporting acceptance testing of new software releases

• Simulating and testing process improvements

• UAT on System Change Requests (including new features, enhancements, and bug fixes) to ensure smooth deployment, training effectiveness, and improved customer service

Qualifications

• Bachelor's degree or equivalent work experience

• 3+ years lending experience lending and underwriting experience, including underwriting decision engine knowledge (DigiFi, GDS Link, Provenir, etc)

• 3+ years of experience with credit strategy and policy documentation creation and maintenance

• 1+ yr. experience in table-based or Business Rules configuration experience, Assurance or IT Support experience a plus

• Strong understanding of JSON payload structures and API-based data exchange, with the ability to define requirements, validate mappings, and troubleshoot end-to-end integrations.

• Experience onboarding and integrating third-party services (e.g., banking, fraud, underwriting, payment, or CRM platforms), including API configuration, testing, and production support.

• Advanced coding analytical skills (Python, Tableau or Sigma)

• Knowledgeable in Microsoft Office Suite including expertise with Microsoft SQL, or other SQL Development Environments (Snowflake, etc.)

• Accuracy and strong attention to detail a must

• Proactive and results oriented, can tackle strategic and operational issues

• Exceptional problem-solving skills, ability to work effectively with minimal direction and accept feedback

• Ability to prioritize, manage multiple projects, articulate and communicate complex results in a high-pressure environment

• Ability to understand both technical and non-technical audiences and bridge the gap in communication

• Motivated, flexible, innovative, self-directed, quick learner and team player

Base Salary: $100,000 - $130,000 USD

The base salary range represents the low and high end of the anticipated salary range for this position based on the U.S. average. The actual base salary offered for this full-time position will be determined by various factors, including but not limited to, location, skills, knowledge, competencies, and experience.

All full-time salaried employees are eligible for the following benefits, starting on day one: Flexible Paid Time Off Program, Medical, Dental, Vision, Life Insurance, Disability, and other voluntary coverages. You will also be eligible to participate in our 401k program, starting on the first of the month following 30 days of employment with a company match.

This employer participates in E-Verify for US-based hires.

#AttainFinance #remote

EEO Statement

Attain Finance Supports Equal Employment Opportunity. Attain Finance (dba Cash Money®, LendDirect® and Heights Finance) is committed to a policy of providing equal employment opportunity to all qualified employees and applicants. This commitment is reflected in all aspects of our daily operations. We do not discriminate on the basis of race, color, sex, religion, national origin, marital status, age, disability, veteran status, or genetic information in any personnel practice, including recruitment, hiring, training, compensation, promotion, and discipline. Additionally, we do not discriminate based on any other characteristic protected by applicable state/provincial or local law where a particular employee works. In addition, it is the policy of Attain Finance to provide reasonable accommodation to qualified employees who have protected disabilities to the extent required by federal law and any state/provincial law where a particular employee works.

Notice to Attain Finance job applicants: Attain Finance will never ask for your personal banking information, transfer of funds, a credit card, or for you to purchase any equipment to process a job application or for training. Authorized Attain Finance representatives' email addresses will end in @attainfinance.com, @heightsfinance.com, @lenddirect.com, and @cashmoney.ca.