Credit Policy & Decisioning Analyst

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.

We are a fast-growing and fast-paced FinTech startup with the stability of an established firm. You will have a front-row seat at a rapidly growing company innovating the FinTech industry.

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. 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.

Role Summary:

We are seeking a highly technical, detail-oriented, and extremely organized Credit Policy & Decision Engine Analyst to drive the implementation, testing, and optimization of credit policies within our decisioning platform (e.g., Taktile).
This role sits with Risk department with primary responsibility for translating policy into scalable decision logic, system workflows, and data-driven rules. The ideal candidate has hands-on experience with decision engines or rule-based systems, strong analytical skills, and a proven ability to produce clear, structured, audit-ready documentation.

You will partner closely with Product Engineering, Compliance and Capital Markets to ensure credit strategies are accurately implemented, rigorously tested, and continuously optimized.

Key Responsibilities:
Decision Engine & Technical Implementation

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

Credit Policy & Process Support

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

Documentation & Governance

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

Required Qualifications:

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

Technical 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

Core Competencies

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

Domain Knowledge (Preferred)

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

What is it like working at Reach Financial?

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.

What benefits will you receive?

Remote First Culture with optional Hybrid opportunities

Healthcare, Life Insurance, 401k Match

Paid Time Off, Paid 12-week Parental Leave

Disability (short-term, long-term), Employee Assistance Program

Spending Accounts (Transit/Parking, Medical, Dependent Care)

Insurance Discounts (home, auto, pet)

Reach Financial is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. This policy applies to all employment practices within our organization, including hiring, recruiting, promotion, termination, layoff, recall, leave of absence, compensation, benefits, training, and apprenticeship. Reach Financial makes hiring decisions based solely on qualifications, merit, and business needs at the time.