Senior Analyst- US Regulation and Compliance (NCS/Job/ 3812)

As Senior Analyst- US Regulation and Compliance, you will support compliance and regulatory monitoring for credit decisioning processes across the United States. The role will focus on understanding, tracking, and interpreting federal and state-level regulations impacting lending, underwriting, credit policy, adverse actioning, fair lending, and AI/ML-driven credit decisioning systems.

Responsibilities

• Monitor and analyze US federal and state regulatory requirements related to credit underwriting and lending practices.
• Track regulatory changes across different US states impacting credit decisioning, consumer disclosures, adverse action notices, fair lending, and model governance.
• Interpret regulations and provide actionable recommendations to product, risk, compliance, and business teams.
• Support compliance reviews of underwriting policies, credit models, and decisioning workflows.
• Maintain a centralized repository of state-wise regulatory requirements and updates.
• Assist in preparing compliance documentation, audit responses, and regulatory reports.
• Support fair lending and responsible AI initiatives by identifying regulatory risks in automated decisioning systems.
• Conduct regulatory research related to CFPB guidance, ECOA, FCRA, UDAAP, state lending laws, and related frameworks.
• Participate in internal policy creation and compliance governance activities.
• Create summaries, trackers, and presentations for leadership and cross-functional stakeholders.

Skills and Competencies

• 4–6 years of experience in US banking, fintech, lending compliance, or regulatory analysis.
• Masters/Bachelor’s degree in Finance, Economics, Business, or related field.

• Experience working with US-based banks, NBFCs, fintechs, or lending platforms.

• Familiarity with:
  • ECOA / Regulation B
  • FCRA
  • Fair Lending requirements
  • UDAAP
  • CFPB regulations and guidance
  • State-level consumer lending regulations
  • Adverse Action requirements
  • AI/ML governance in lending (preferred)

• Understanding of underwriting and credit decisioning processes.

• Ability to interpret legal/regulatory language into operational requirements.

• Excellent analytical, documentation, and stakeholder management skills.