Credit Policy & Decisioning Analyst

Reach Financial’s Risk and Decision Science team consists of a group of Data Scientists and Analytics Professionals covering all the lending products. We are passionate about data and cutting-edge technology. 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.

• Translate credit policies into structured decision rules (eligibility, approval/decline, pricing, workflows)
• Configure, maintain, and optimize decision logic in Taktile or similar rule-based platforms
• Conduct scenario testing, UAT, and rule validation to ensure accurate system behavior
• Analyze and troubleshoot decisioning issues across rule logic, data inputs, and system workflows
• Monitor decision engine outputs (approvals, declines, routing, exceptions) for accuracy and consistency
• 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

• Support execution and refinement of credit policies for unsecured lending
• Review policy exceptions, edge cases, and manual decision flows
• Track performance metrics (approval rates, decline reasons, delinquencies, exceptions)
• Identify and escalate policy gaps, data inconsistencies, or operational inefficiencies

• Create and maintain high-quality, structured documentation (SOPs, decision trees, rule logic, workflows)
• Ensure all policies and decision logic are clearly documented, version-controlled, and audit-ready
• Support internal audits, controls, and governance 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:
• Rule-based systems, decision engines, or workflow platforms
• Translating business logic into technical decision rules
• Highly detail-oriented, extremely organized, with a strong focus on accuracy and control
• Proven ability to produce clear, structured, and comprehensive documentation
• Strong analytical and problem-solving skills with ability to work with complex datasets and logic

• 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
• Process discipline and control mindset
• Cross-functional collaboration (Risk, Product, Engineering)
• Ownership and accountability

• Unsecured lending (personal loans, BNPL, credit cards, LOC)
• Credit bureau data, underwriting logic, and risk segmentation
• Lending operations, credit risk, or fintech environments
• Exposure to loan origination systems or fintech platforms

Our culture is built around advancing our teams, and we are dedicated to the success and growth of every team member. We believe in retaining a high-performing workforce and we prioritize diversity, intellectual curiosity, and continued learning. Our generous benefits packages reflect that.

We’ve been hard at work perfecting our product for years, and now we’re growing faster than ever before. Our strong foundation and company culture is readily equipped for this growth, and we believe that with the right people, our products will continue to help customers make real changes in their financial lives.