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)