Reach
Credit Policy & Decisioning Analyst
New York, NY
Sponsorship not specified$120k-$150kDetected 43 days ago
PythonSQLData ScienceCollaborationProblem SolvingUnderwriting
About the role
- About the Department: Reach Financial's Risk and Decision Science team consists of a group of Data Scientists and Analytics Professionals covering all the lending products.
- This role sits with Risk department with primary responsibility for translating policy into scalable decision logic, system workflows, and data-driven rules.
- We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning.
Responsibilities
- Configure, maintain, and optimize decision logic in Taktile or similar rule-based platforms
- 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
- Credit Policy & Process Support
- Support execution and refinement of credit policies for unsecured lending
- Create and maintain high-quality, structured documentation (SOPs, decision trees, rule logic, workflows)
- Support internal audits, controls, and governance requirements
- Our goal is to leverage the data to drive the business growth agenda.
- The Risk and Decision Science team works cross functionally with other business units to ideate, hypothesize, analyze and test, formalize, implement, maintain, and track progresses for all initiatives.
Requirements
- 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:
- Proven ability to produce clear, structured, and comprehensive documentation
- Strong analytical and problem-solving skills with ability to work with complex datasets and logic
Nice to have
- Domain Knowledge (Preferred)
Skills
- Experience with decision engines such as Taktile or rule-based systems
- Strong understanding of decision logic, workflows, and conditional rules (if/then logic)
- Experience with testing (UAT, scenario testing, validation frameworks)
- Ability to analyze system outputs and troubleshoot issues across data and logic layers
- Strong documentation discipline (SOPs, rule definitions, testing artifacts)
- SQL for querying and validating decision outcomes
- Experience with APIs, JSON, or system integrations
- Python for analysis or automation
- Technical execution & systems thinking
- Exceptional attention to detail
- Strong organizational and documentation skills
- Analytical problem solving
Compensation
- $120,000-150,000 + bonus
- What is Reach Financial?
- Reach Financial is a FinTech platform helping people outsmart debt for good.
- We are building innovative products and best-in-class support that enable our customers to take control of their debt and de-mystify their personal finances. Our products and tools empower our customers to turn their financial goals into a reality.
- Reach Financial launched in 2015 and has helped our customers pay off over $1 billion in debt. We offer debt consolidation loans and personal loans
- together, these markets represent a $1.5T opportunity. In time, we will expand beyond these products to offer solutions for a variety of our customers' personal finance challenges.
Company info
- We are passionate about data and cutting-edge technology.
This listing is sourced directly from Reach's careers page and normalized into a canonical job model.