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Data Analytics Consultant

Summary

Analyze credit data and loan performance for financial institutions to optimize underwriting and risk strategies using SQL, Power BI, and bureau reports.

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 their underwriting and decisioning strategies. This role focuses on analyzing credit data, loan performance, and bureau information to help clients improve approval rates, manage risk, and enhance portfolio health.

In this role, you will partner closely with clients and internal teams to evaluate credit policies, interpret credit reports and performance trends, and translate analytical findings into practical lending recommendations. You will lead multiple client engagements, guiding institutions through data-driven insights that support responsible growth and sound risk management.

As a trusted advisor within the Analytics Team, you will help clients understand how MeridianLink’s decisioning platforms and analytics tools can be used to strengthen underwriting, improve member experience, and drive sustainable lending outcomes.

This role is ideal for individuals who are passionate about consumer credit, enjoy working directly with financial institutions, and take pride in delivering clear, actionable insights that influence lending strategy.

Key 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.

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.

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What this application asks

ashby

Name, Email, Resume

  • Are you eighteen years of age or older? yes / no
  • May MeridianLink contact your CURRENT or MOST RECENT employer? yes / no
  • May MeridianLink Contact your PAST employers? yes / no
  • Have you ever been fired or asked to resign to avoid being fired from a job? yes / no
  • Can you perform the essential functions of this job with or without reasonable accomodation? yes / no
  • Will you now or in the future require sponsorship (i.e. H-1B visa ect.) to legally work in the United States? yes / no
  • Location
  • I understand that as permitted by law, MeridianLink will conduct an investigative consumer report. I understand the scope of this consumer report may include verification of my references, employment history, credit and indebtedness, criminal conviction history, educational and training background and other matters related to my suitability for employment. Upon timely written request to the personnel department of MeridianLink, the nature and scope of the report will be disclosed to me. If I am offered employment with MeridianLink, I understand that the offer will be conditioned on passing a pre-employment drug screen, timely submitting valid documentation that confirms my identity and authorization to work in the United States, and reading and agreeing to comply with the MeridianLink policies as stated in its Employee Handbook. I certify that the answers given by me in this employment application are true, correct and complete. I agree that the company shall not be liable, in any respect, if my employment is terminated because of misstatements or pertinent omissions made by me in this application. Moreover, I understand that all offers of employment are contingent upon passing the company's prescribed credit check and background screen. A copy of this form may be used as the original. The use of results from this form and/or tests will be used for prudent employment decisions. It is agreed and understood that completion of this application does not mean a job opening exists and in no way obligates the company to employ me. In the event of employment, I will comply with all company rules and regulations as established from time to time. I am willing to work all assigned overtime or other special work assignments as requested by the company. I also understand that MeridianLink, Inc. retains the right to amend, modify, add or delete any or all policies or procedures at its sole and absolute discretion. I understand that nothing contained herein is intended to create a contract between the company and me for either employment or the provision of any compensation or benefits. I hereby understand and acknowledge that any employment relationship with this Company is of an “At-Will” nature, which means that the Employee may resign at any time and the Employer may discharge Employee at any time, with or without notice, with or without cause. It is further understood that this ‘At-Will’ employment relationship may not be changed by any written document or by verbal agreement unless such change is specifically acknowledged in writing by an authorized Executive of this Company. During my employment with MeridianLink, Inc. and after my employment ends, I agree not to disclose any confidential or proprietary information regarding operating and trade secrets. CERTIFICATE OF APPLICANT: I certify that all statements made in this application and attachments are true, and I agree and understand that misstatements or omissions of any material fact may be cause for disqualification or dismissal from employment with MeridianLink choose one
  • Please let us know where you heard about this job opening? choose one
  • If Referral please add name below. optional
  • If above question is "Other" please add the source below.  written answer · optional

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