Credit Analyst II - Credit MIS Reporting

Overview

This role involves supporting credit risk reporting and data analysis used for management information systems (MIS) reporting. The Credit Analyst II will produce accurate, timely reports and assist with improving reporting processes for consumer and commercial credit portfolios. The position requires working with data from multiple third-party sources, investigating discrepancies, and mapping data into key metrics such as Key Risk Indicators (KRIs) and Key Performance Indicators (KPIs). The primary focus is supporting reporting for fintech partners and internally managed credit portfolios while maintaining reliable and well-documented reporting outputs.

Responsibilities

• Assist with preparation and validation of credit risk materials for management, committee, and board-level reporting.
• Gather and document data requirements to map source data into KRIs and KPIs used in credit risk reporting.
• Perform routine data cleaning and transformation to improve accuracy and consistency in MIS reporting.
• Run, update, and maintain automated reports and recurring reporting packages.
• Conduct exploratory analysis to identify trends, outliers, and data issues in portfolio reporting.
• Support timely completion of monthly reporting and escalate issues to management as needed.
• Reconcile and investigate discrepancies across partner, vendor, and internal data sources.
• Follow team standards for documentation, version control, and quality checks to ensure auditability and repeatability.

Requirements

• Clear verbal and written communication skills with the ability to summarize findings for diverse audiences.
• Strong attention to detail and commitment to data accuracy, documentation, and meeting deadlines.
• Ability to work independently on assigned tasks while collaborating with the broader team.
• Comfortable investigating inconsistent data, reconciling results across sources, and identifying root causes.
• Enjoy solving data puzzles, tracing discrepancies, and improving repeatable processes.
• Bachelor’s degree in Business Analytics, Data Science, Finance, Statistics, or a related field; or equivalent combination of education and relevant work experience.
• 2–4 years of relevant experience in data analytics, credit reporting/MIS, business intelligence, credit risk, or related fields.
• Experience with recurring reporting, data validation, and metric definitions.
• Strong Excel skills including PivotTables, lookups, and formulas.
• Familiarity with BI/reporting tools such as Omni, PowerBI, or Looker.
• Working knowledge of SQL; Python or R is a plus.
• Experience cleaning, reconciling, and investigating data issues.
• Exposure to credit risk metrics, controls, or regulatory reporting is a plus.
• Familiarity with lending products and credit concepts in a banking or fintech environment preferred.
• Familiarity with Microsoft 365 tools including Outlook, PowerPoint, and SharePoint.

Preferred Qualifications

• Experience with credit risk metrics and regulatory reporting.
• Knowledge of fintech partner reporting environments.

Compensation & Benefits

• Salary range: $85,571.83 - $106,965.46 annually.
• Medical coverage with multiple plan options.
• Health Savings Account (HSA) with employer contributions for eligible plans.
• Flexible Spending Accounts (FSA) for healthcare and dependent care expenses.
• Dental and vision insurance plans.
• Company-paid basic life insurance with options to purchase additional coverage.
• Long-term and short-term disability insurance.
• Supplemental benefits including hospital indemnity, accident insurance, and critical illness coverage.
• 401(k) retirement plan with company matching.
• Generous paid time off including vacation, sick leave, and 11 paid holidays annually.

Physical Demands

• Ability to sit or stand for extended periods.
• Perform repetitive finger, hand, and arm movements.
• Use electronic office equipment such as computer keyboard, mouse, ten key, and telephone.
• View and read computer screens for extended periods.
• Occasionally stoop, kneel, crouch, or crawl.
• Occasionally lift or move up to 10 pounds.

Additional Information

This job description is not exhaustive and may be updated as needed. Reasonable accommodations will be made to enable individuals with disabilities to perform essential functions.