Data Analyst

Job Title: Senior Data Analyst - Credit Decisioning (Python / Banking) Overview We are seeking a highly skilled Senior Data Analyst with strong Python expertise and banking domain knowledge to support credit decisioning and marketing initiatives. This role bridges business and technical teams, translating complex requirements into actionable solutions that improve decision logic and customer targeting. Key Responsibilities • Analyze non-IT business problems and identify process improvement opportunities • Translate stakeholder needs into clear, actionable requirements and technical specifications • Maintain and enhance credit card decisioning logic through ticket-based workflows • Implement and validate rules within Credit Karma's interface • Develop ROI frameworks and business cases to evaluate proposed investments • Document current and future state processes and ensure alignment across stakeholders • Collaborate with cross-functional teams to deploy and optimize decision strategies Day in the Life • Manage incoming requests to update credit card and loan decisioning logic • Work closely with stakeholders to refine requirements and implement solutions • Write and validate Python-based rules and data transformations • Support onboarding and knowledge transfer for Credit Karma rule logic Qualifications • Strong Python development (pandas, NumPy, DataFrames) • Experience with SQL (preferred) • Knowledge of U.S. banking products, especially credit cards and credit reporting • Familiarity with CI/CD, Git, and automation workflows • Experience in ticket-based environments (Jira, ServiceNow) • Exposure to Experian PowerCurve or similar decisioning tools (plus) Additional Details • Remote (U.S.-based required) • Collaborative, knowledge-sharing team culture • Panel interview with technical peers and partners Condensed Version (Under 200 Words) We're hiring a Senior Data Analyst with strong Python and U.S. banking experience to support credit decisioning for credit cards and consumer loans. This role focuses on implementing and optimizing decision logic within Credit Karma's platform. Responsibilities include analyzing business requirements, improving processes, managing ticket-based requests, and translating stakeholder needs into Python-based decision rules. You'll work closely with cross-functional teams to build, validate, and deploy logic that aligns with credit policy and marketing goals. Key skills: Python (pandas, NumPy, DataFrames), SQL (preferred), and experience with CI/CD, Git, and automation workflows. Strong understanding of U.S. credit products and credit reporting data is required. Experience in Jira/ServiceNow environments is highly preferred; exposure to Experian PowerCurve is a plus. This is a remote U.S.-based role with a collaborative team environment and structured onboarding for Credit Karma rules. Determining compensation for this role (and others) at Vaco/Highspring depends upon a wide array of factors including but not limited to the individual's skill sets, experience and training, licensure and certifications, office location and other geographic considerations, as well as other business and organizational needs. With that said, as required by local law in geographies that require salary range disclosure, Vaco/Highspring notes the salary range for the role is noted in this job posting. The individual may also be eligible for discretionary bonuses, and can participate in medical, dental, and vision benefits as well as the company's 401(k) retirement plan. Additional disclaimer: Unless otherwise noted in the job description, the position Vaco/Highspring is filing for is occupied. Please note, however, that Vaco/Highspring is regularly asked to provide talent to other organizations. By submitting to this position, you are agreeing to be included in our talent pool for future hiring for similarly qualified positions. Submissions to this position are subject to the use of AI to perform preliminary candidate screenings, focused on ensuring minimum job requirements noted in the position are satisfied. Further assessment of candidates beyond this initial phase within Vaco/Highspring will be otherwise assessed by recruiters and hiring managers. Vaco/Highspring does not have knowledge of the tools used by its clients in making final hiring decisions and cannot opine on their use of AI products. Equal Opportunity Notice Highspring LLC (d/b/a Vaco by Highspring) and its parents, affiliates, and subsidiaries ("we," "our," or "Vaco by Highspring") are committed to the full inclusion of all qualified individuals and does not discriminate against any employee or applicant for employment because of race (including but not limited to traits historically associated with race such as hair texture and hair style), color, sex (includes pregnancy or related conditions), religion or creed, national origin, citizenship, age, disability, status as a veteran, union membership, ethnicity, gender, gender identity, gender expression, sexual orientation, marital status, political affiliation, or any other protected characteristics as required by applicable law. The company is also committed to ensuring that persons who need them are provided with reasonable accommodations; if an accommodation is needed to participate in the job application or interview process, please contact HR@vaco.com . Vaco by Highspring also wants all applicants to know their rights that workplace discrimination is illegal. Representation Notice By submitting to this position, you agree that you will be giving Vaco by Highspring the exclusive right to present your as a candidate for the foregoing employment opportunity. Additionally, you agree to be included in our talent pool for future hiring for similarly qualified positions. You further agree that you have represented information about yourself accurately and have not affirmatively misrepresented your qualifications. Lastly, you agree to maintain as confidential, to the fullest extent permitted by law, any information you learn from Vaco by Highspring about the position and you will limit disclosure of information about the position only to the extent necessary to perform any obligations in furtherance of your application. In exchange, Vaco by Highspring agrees to exercise reasonable efforts to represent you through all solicitation, job screening and resume dispersal. For residents of Ontario, Canada only: to the extent the position for employment is not with Highspring or not otherwise noted as vacant above, candidate should be informed that this role is to replace a presently employed person at Vaco by Highspring's client. Privacy Notice Vaco by Highspring respects your privacy and are committed to providing transparent notice of our policies. • California residents may access Vaco by Highspring HR Notice at Collection for California Applicants and Employees here. • Virginia residents may access our state specific policies here. • Residents of all other states may access our policies here. • Canadian residents may access our policies in English here and in French here. • Residents of countries governed by GDPR and UK GDPR may access our policies here. Additionally, submissions to this position are subject to the use of AI to perform preliminary candidate screenings, focused on ensuring minimum job requirements noted in the position are satisfied. More details about Vaco by Highspring's use of AI can be found here (https://www.highspring.com/ai-use-notices/). Further assessment of candidates beyond this initial phase will be conducted by recruiters and hiring managers. Vaco by Highspring does not know and cannot opine on if its client's use of AI products in hiring. Pay Transparency Notice Determining compensation for this role (and others) at Vaco by Highspring depends upon a wide array of factors including but not limited to: · the individual's skill sets, experience and training; · licensure and certification requirements; · office location and other geographic considerations; and · other business and organizational needs. With that said, as required by local law, Vaco by Highspring believes that the following salary range referenced above reasonably estimates the base compensation for an individual hired into this position in geographies that require salary range disclosure. The individual may also be eligible for discretionary bonuses and/or participation in medical, dental, and vision benefits as well as the company's retirement plan (or similar retirement benefits).