meridianlink - Data Analytics Consultant (Credit Specialist)
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Requirements
• Strong foundation in credit risk analysis and consumer lending performance required; experience with financial institutions preferred. • Experience analyzing loan data to evaluate portfolio health is a plus but not mandatory as per the job posting provided. No specific years of experience are mentioned, so it's assumed that relevant skills can be acquired on the job or through professional development opportunities within MeridianLink. • Familiarity with credit bureau information and loan performance data trends is required for this role; however, no formal education requirement beyond a Bachelor’s degree in Finance, Economics, Business Administration, etc., has been explicitly stated as necessary by the job posting itself. Certifications are not mentioned either within the provided text or elsewhere on MeridianLink's website (as per knowledge cutoff date). • Must have strong analytical skills and experience with data analysis tools relevant to credit risk assessment; ability to interpret consumer reports for policy recommendations is required but no specific certification has been stated. • Experience leading client engagements, presenting findings in meetings, collaborating across teams, preparing clear communication materials (reports/dashboards), and contributing to best practices documentation are essential qualifications; however, these skills seem more aligned with experience rather than formal education or certification requirements. • Experience working directly with financial institutions is preferred but not mandatory as per the job posting provided. No specific years of experience in this area have been mentioned explicitly within the text itself.
Responsibilities
• 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
• MeridianLink runs a comprehensive background check, credit check, and drug test as part of our offer process. • It is not typical for offers to be made at or near the top of the salary range. The actual salary will be determined based on experience and other job-related factors permitted by law including geographical location. • t is not typical for offers to be made at or near the top of the salary range. • Meridianlink offers: • Insurance coverage (medical, dental, vision, life, and disability) • Flexible paid time off • 401(k) plan with company match • All compensation and benefits are subject to the terms and conditions of the underlying plans or programs, as applicable and as may be amended, terminated, or superseded from time to time. • Upload your resume here to autofill key application fields. • Drop your resume here! • Parsing your resume. Autofilling key fields... • or drag and drop here • If above question is "Other" please add the source below. • I prefer not to answer • Black or African American • Hispanic, Latino, or Spanish origin • Indigenous Peoples, First Nations, Native American, or Alaska Native • Native Hawaiian or Other Pacific Islander • White / Caucasian • Middle Eastern or North African • Decline to self-identify • Hispanic or Latino - A person of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin regardless of race. • Hispanic or Latino • White (Not Hispanic or Latino) - A person having origins in any of the original peoples of Europe, the Middle East, or North Africa. • White • Black or African American (Not Hispanic or Latino) - A person having origins in any of the black racial groups of Africa. • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) - A person having origins in any of the peoples of Hawaii, Guam, Samoa, or other Pacific Islands. • Asian (Not Hispanic or Latino) - A person having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian Subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam. • Asian • American Indian or Alaska Native (Not Hispanic or Latino) - A person having origins in any of the original peoples of North and South America (including Central America), and who maintain tribal affiliation or community attachment. • American Indian or Alaska Native • Two or More Races (Not Hispanic or Latino) - All persons who identify with more than one of the above five races. • Two or More Races • Hispanic or Latino • White (Not Hispanic or Latino) • Black or African American (Not Hispanic or Latino) • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) • Asian (Not Hispanic or Latino) • American Indian or Alaska Native (Not Hispanic or Latino) • Two or More Races (Not Hispanic or Latino) • I identify as one or more of the classifications of protected veteran listed above • I am not a protected veteran
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