Back to jobs
New

Senior Research Analyst - Economic and Consumer Insights

New York, NY

About VantageScore

At VantageScore we drive impact for good on a massive scale impacting tens of millions of people across the United States. Our mission is to be the leading credit modeling company delivering the most predictive, most innovative, and most inclusive tri-bureau models and attributes in the US market. Our innovation is increasing access for millions more Americans to financial products and homeownership. Our models are among, if not the most, inclusive in the United States and power billions of credits scores a year.

We are fueled by a growing, exceptionally talented team and are actively seeking individuals who can join us in driving us toward our ambitious goals. At VantageScore, you’ll have the unique opportunity to work within a fast-paced, independent start-up culture while enjoying the financial stability that comes from being backed by the three leading US credit bureaus.

VantageScore® consumer credit scoring models combine the need for both financial inclusion and dependable predictiveness across all scoring ranges. An industry thought leader and technology innovation leader, the company’s most recent models score approximately 94 percent of all adults 18 and older – including 33 million more people than conventional models – without sacrificing safety and soundness. As a result, lenders using VantageScore can extend credit to those who have been historically marginalized, including minority and lower-to-middle-income Americans. VantageScore credit scores are used by over 3,700 banks, fintechs and other companies use VantageScore credit scores every day to assess consumer creditworthiness.

Last year, over 42 billion VantageScore credit scores were used representing a 55% yearly increase. All 10 US banks use VantageScore credit scores or digital tools in one or more line of business. Starting in 2025 the FHFA has required VantageScore credit scores to be used for all mortgages sold to, or guaranteed by, Fannie Mae and Freddie Mac. Get started using VantageScore credit scores today - we are the leader in predictive power and financial inclusion.

About The Role

We are seeking a Senior Research Analyst to develop high-impact research that explains economic, credit, and consumer trends to stakeholders across the financial ecosystem. This role is ideal for someone who enjoys working with complex datasets, crafting clear narratives, and publishing insights that resonate with business leaders, policymakers, and the media.

The ideal candidate combines strong analytical skills with exceptional communication ability — translating data into practical, business-oriented takeaways and compelling stories.

Key Responsibilities

Research & Analysis

  • Lead analysis of VantageScore credit data, U.S. economic, labor market, consumer, and credit datasets from government and private-sector sources (e.g., BLS, BEA, Census, FRED, CFPB, MBA, S&P, credit bureau datasets).
  • Produce research reports, economic commentaries, and data-driven insights for internal and external audiences.
  • Identify emerging trends in consumer credit behavior and connect them to macroeconomic and industry dynamics.
  • Support index creation, forecasting, and development of analytical frameworks to evaluate consumer credit conditions.

Publications & Communications

  • Write clear, concise, and actionable research publications, reports, blog posts, and data briefs.
  • Translate complex findings into narratives relevant for business leaders, media, and industry partners.
  • Develop charts, graphs, and visualizations to effectively communicate insights.
  • Support press engagements with well-framed talking points and data interpretations.

Industry & Media Engagement

  • Contribute to high-profile research products used by lenders, regulators, policymakers, and economic commentators.
  • Help respond to media inquiries with timely, accurate data-driven explanations.
  • Present findings to clients, industry stakeholders, and at conferences or webinars.

Collaboration

  • Work closely with Chief Economist, data science, communications and marketing teams to ensure research supports strategic objectives.
  • Partner with Chief Economist to identify research opportunities that advance the organization’s thought leadership.

Required Qualifications

  • 3–7+ years of experience in economic research, financial analysis, public policy analytics, or a related field.
  • Strong working knowledge of U.S. economic and demographic datasets, including BLS, BEA, Census, Federal Reserve/FRED, and household or credit-related data sources.
  • Demonstrated experience writing for industry audiences, senior executives, or public communication channels.
  • Proficiency in analytical research with Python or R and comfort working with large or complex datasets.
  • Strong quantitative reasoning skills, with familiarity in statistical and/or econometric methods (e.g., regression, time-series analysis, index development).
  • Excellent written and verbal communication: Ability to distill complex analysis into clear insights and headlines.
  • Experience producing charts and data visualizations that communicate effectively to non-technical stakeholders.

Preferred Qualifications

  • Experience working within the financial services, credit, fintech, or consumer lending sectors.
  • Prior work in a research organization such as a central bank, think tank, credit bureau, analytics firm, rating agency, or economic consulting group.
  • Existing portfolio of public-facing analyses, media quotes, or published articles.
  • Master’s degree in Economics, Applied Economics, Public Policy, Finance, Data Analytics, or a related quantitative discipline.
  • Comfort engaging with media or speaking externally.

Key Attributes for Success

  • Curious, analytical thinker who enjoys exploring data to uncover meaningful insights.
  • Exceptional ability to tell stories with data and write with clarity, precision, and speed.
  • Thrives in a fast-paced environment with tight deadlines and evolving priorities.
  • Able to balance academic rigor with industry practicality.
  • Collaborative and able to work cross-functionally.

Additional

  • Compensation: Base + Bonus
  • Generous Benefits: 401(K) matched up to 7%, Flexible Time Off, 12 Paid Holidays, Medical/Dental/Vision/Wellness benefits, Monthly Team Events, Modern Work/Collaboration Spaces

Join Us and Be the Catalyst of Change in Fintech! This is an excellent opportunity to shape national conversations about consumer credit, financial inclusion, and economic conditions. This is also a high visibility role with frequent engagement across the financial ecosystem and media, If you are looking to be a part of a mission-driven environment committed to expanding consumer access to credit and are seeking workplace that values intellectual curiosity, high-quality work, and impactful insights, we strongly encourage you to apply!

Apply for this job

*

indicates a required field

Resume/CV*

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Voluntary Self-Identification

For government reporting purposes, we ask candidates to respond to the below self-identification survey. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file.

As set forth in VantageScore’s Equal Employment Opportunity policy, we do not discriminate on the basis of any protected group status under any applicable law.

Select...
Select...
Race & Ethnicity Definitions

If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to the Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows:

A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability.

A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service.

An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense.

An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985.

Select...

Voluntary Self-Identification of Disability

Form CC-305
Page 1 of 1
OMB Control Number 1250-0005
Expires 04/30/2026

Why are you being asked to complete this form?

We are a federal contractor or subcontractor. The law requires us to provide equal employment opportunity to qualified people with disabilities. We have a goal of having at least 7% of our workers as people with disabilities. The law says we must measure our progress towards this goal. To do this, we must ask applicants and employees if they have a disability or have ever had one. People can become disabled, so we need to ask this question at least every five years.

Completing this form is voluntary, and we hope that you will choose to do so. Your answer is confidential. No one who makes hiring decisions will see it. Your decision to complete the form and your answer will not harm you in any way. If you want to learn more about the law or this form, visit the U.S. Department of Labor’s Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp.

How do you know if you have a disability?

A disability is a condition that substantially limits one or more of your “major life activities.” If you have or have ever had such a condition, you are a person with a disability. Disabilities include, but are not limited to:

  • Alcohol or other substance use disorder (not currently using drugs illegally)
  • Autoimmune disorder, for example, lupus, fibromyalgia, rheumatoid arthritis, HIV/AIDS
  • Blind or low vision
  • Cancer (past or present)
  • Cardiovascular or heart disease
  • Celiac disease
  • Cerebral palsy
  • Deaf or serious difficulty hearing
  • Diabetes
  • Disfigurement, for example, disfigurement caused by burns, wounds, accidents, or congenital disorders
  • Epilepsy or other seizure disorder
  • Gastrointestinal disorders, for example, Crohn's Disease, irritable bowel syndrome
  • Intellectual or developmental disability
  • Mental health conditions, for example, depression, bipolar disorder, anxiety disorder, schizophrenia, PTSD
  • Missing limbs or partially missing limbs
  • Mobility impairment, benefiting from the use of a wheelchair, scooter, walker, leg brace(s) and/or other supports
  • Nervous system condition, for example, migraine headaches, Parkinson’s disease, multiple sclerosis (MS)
  • Neurodivergence, for example, attention-deficit/hyperactivity disorder (ADHD), autism spectrum disorder, dyslexia, dyspraxia, other learning disabilities
  • Partial or complete paralysis (any cause)
  • Pulmonary or respiratory conditions, for example, tuberculosis, asthma, emphysema
  • Short stature (dwarfism)
  • Traumatic brain injury
Select...

PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.