Full-Time
Posted on 6/8/2026
Credit reporting data analytics and risk
No salary listed
No H1B Sponsorship
Atlanta, GA, USA
Hybrid
Hybrid schedule: two remote days (Mon and Fri) with three on-site days; on-site locations in Alpharetta, GA or Midtown Atlanta.
Master's, PhD
See people who can refer or advise you
Equifax is a global data, analytics, and technology company that provides credit information and related services to businesses, governments, and consumers. It collects and analyzes large amounts of data to generate insights used for credit reporting, risk management, fraud detection, and identity verification. The company uses its Equifax Cloud to combine data with advanced analytics and machine learning, delivering credit reports, risk assessments, and global market insights to help clients make smarter decisions and improve customer experiences. Compared with competitors, Equifax emphasizes its large, differentiated data assets and integrated analytics platform to offer comprehensive, end-to-end solutions for credit and risk management. Its goal is to help clients assess credit risk, detect fraud, and explore opportunities more confidently in a changing financial landscape.
Company Size
10,001+
Company Stage
IPO
Headquarters
Atlanta, Georgia
Founded
1899
See people who can refer or advise you
Help us improve and share your feedback! Did you find this helpful?
Health Insurance
401(k) Company Match
Paid Vacation
Hybrid Work Options
Discounted Gym Memberships
Employee Stock Purchase Plan
Mental Health Support
Equifax has raised $1 billion through two consecutive note sales, issuing $500 million of 5.00% notes due 2029 and $500 million of 5.650% notes due 2033. Both tranches are senior unsecured, fixed-rate debt priced slightly below par. The offerings follow Equifax's repurchase of $1.49 billion of stock since April 2025. The combination of new debt and equity buybacks is expected to increase financial leverage. Analysts note that Equifax already carries a high debt level. The company, known for consumer credit reporting and data services, typically relies on bond markets to fund technology investment, acquisitions, and refinancing needs. The new notes lock in funding costs and extend the company's maturity profile at fixed coupon levels.
Cyber security Defence in Depth ~ 1.3 common vulnerabilities and exploits. From Heartbleed and the Target breach to Equifax - how common vulnerabilities are exploited in the real world, and how a defence-in-depth approach to patch management, vulnerability scanning, and attack vector analysis keeps organisations resilient. 1.3 common vulnerabilities and exploits. Commonly exploited vulnerabilities in systems and applications often stem from misconfigurations, outdated software, and inherent flaws in the code. One of the most significant vulnerabilities is the exploitation of unpatched software, where known security loopholes can be targeted by attackers to gain unauthorised access. For instance, the infamous Heartbleed bug in OpenSSL showcased how a simple oversight could allow attackers to siphon sensitive data from server memory. The impact of such vulnerabilities can be profound - leading to data breaches, financial loss, and a loss of trust from clients and customers. Understanding these vulnerabilities is crucial for cybersecurity professionals aiming to design resilient networks using a defence-in-depth approach. Analysing past incidents provides invaluable context for understanding the current threat landscape. Take the Target data breach in 2013, where attackers exploited weak third-party vendor access, resulting in the theft of millions of credit card numbers. This incident highlighted the need for a comprehensive security strategy that includes not only internal defences but also scrutinises third-party vulnerabilities. Another pertinent case is the Equifax breach of 2017, which occurred due to the failure to patch a known vulnerability in Apache Struts - affecting over 147 million people. These incidents illustrate not only the severe repercussions of exploited vulnerabilities but also emphasise the importance of continual monitoring and vulnerability management as vital components of a robust cybersecurity strategy. To effectively mitigate risks associated with common vulnerabilities, cybersecurity professionals must adopt a proactive approach. Regular software updates and thorough patch management can dramatically reduce the risk of exploitation. Moreover, integrating automated tools for vulnerability scanning and employing threat intelligence can help organisations stay a step ahead of potential attackers. Continuous security training for all employees is equally essential, reinforcing the idea that everyone plays a role in safeguarding the network. This layered defence ensures that even if one security measure fails, others will stand firm - reinforcing the fortifications of a well-designed network. 3.2 understanding attack vectors. Attack vectors are the various pathways or methods that cybercriminals use to infiltrate systems and networks. Understanding these vectors is crucial in the development and planning of Defence in Depth strategies, which aim to create multiple layers of security to protect assets. Each attack vector presents unique vulnerabilities, and by identifying them, cybersecurity professionals can implement protective measures at various levels. This multi-layered approach adds complexity for potential attackers, making it harder for them to succeed in breaching defences. The significance of attack vectors lies in their ability to inform the design and implementation of security architectures, ensuring that organisations can anticipate potential threats and build resilience against them. As technology evolves, so do the attack vectors that cybercriminals exploit. For instance, as more organisations adopt cloud computing and mobile technologies, attackers are increasingly targeting these environments through vulnerabilities specific to them. This evolution means that cybersecurity professionals must adopt a proactive approach to defence. Rather than merely responding to threats after they occur, understanding how attack vectors are changing allows for the anticipation of potential attacks. By continuously analysing how these vectors evolve, cybersecurity experts can enhance their defensive strategies - enabling them to stay one step ahead of adversaries. This could involve regularly updating software to patch vulnerabilities, training employees to recognise phishing attempts, or employing advanced threat detection tools that adapt to new attack patterns. Incorporating a dynamic understanding of attack vectors into security planning not only strengthens defences but also fosters a culture of security awareness within organisations. A practical tip for cybersecurity professionals is to perform regular threat modelling exercises. These exercises can help identify potential attack vectors relevant to your organisation and assess the effectiveness of existing defence mechanisms. By staying informed about the latest trends in cyber threats and continuously updating security protocols, teams can significantly bolster their Defence in Depth strategies. Continue the series Cyber security Defence in Depth ~ 1.4 designing secure networks. Up next in this series - keep going Want to go deeper? Cyber security Defence in Depth. Master layered security strategies - the gold standard approach to protecting organisations at every level from perimeter to endpoint. Found this useful? Share it: Stay ahead of cyber threats. New book alerts + expert cyber security insights - straight to your inbox.
Equifax reported second-quarter 2026 adjusted earnings of $2.25 per share, up 12.5% year over year, beating the Zacks Consensus Estimate of $2.21 by 1.8%. Revenues increased 10.6% year over year to $1.7 billion, surpassing consensus estimates. The strong performance was driven by growth in US Information Solutions, mortgage services, and verification offerings. USIS revenues climbed 17% to $611.6 million, with mortgage revenues rising 40% due to increased adoption of the company's mortgage scoring products. Workforce Solutions revenues increased 7% to $705.4 million, whilst International revenues rose 8% to $383.1 million. The Government business secured new contracts and renewals totalling approximately $300 million in annual contract value during the first half of 2026.
Equifax reported second-quarter revenue of $1.7 billion, meeting analyst expectations with 10.6% year-on-year growth. The credit reporting giant's non-GAAP earnings of $2.25 per share exceeded consensus estimates by 2.3%. However, the company's stock fell 12.1% following the results. The decline came after Equifax issued third-quarter revenue guidance of $1.70 billion, missing analyst estimates by 1%. The company reaffirmed its full-year revenue guidance of $6.75 billion and maintained its adjusted earnings per share forecast of $8.54 at the midpoint. Operating margin declined to 18.5% from 20.2% in the prior-year quarter. Equifax's Workforce Solutions segment grew 6.9% whilst its US Information Solutions division expanded 12.9% over the past two years.
Congruit Credit partners with Equifax to expand access to modern credit intelligence. Lenders today face a growing challenge: evaluating a consumer's true creditworthiness and risk amidst economic volatility and evolving financing options. As consumer financial behavior continues to evolve, lenders are increasingly seeking broader data sources and more dynamic insights to better evaluate risk, improve portfolio performance, and responsibly expand access to credit. To help meet that need, Congruit Credit has entered a new partnership with Equifax to integrate Equifax consumer credit data with Congruit's real-time, behavior-based credit intelligence and consortium-style payment data. This collaboration provides lenders with a more complete view of consumer financial behavior and delivers solutions designed for the realities of modern underwriting. The combination of these powerful datasets will support lenders across installment lending, buy now, pay later (BNPL), and unsecured credit markets, delivering solutions aimed at improving risk assessment, accelerating decisioning, and responsibly expanding access to credit for underserved, thin-file, and non-prime consumers. Congruit will deliver blended credit reporting solutions, behavior-based attributes derived from payment and alternative data, and analytics designed to help lenders make faster and more informed underwriting decisions. By incorporating real-time financial behavior and broader alternative data signals, lenders will have improved visibility beyond traditional credit files alone. "Congruit Credit was built to help lenders better understand consumers through the lens of real financial behavior" said Tim Ranney, Founder and CEO of Congruit Credit. "By partnering with Equifax, we can accelerate the delivery of differentiated data and analytics that help lenders make smarter decisions, improve portfolio performance, and serve more consumers with confidence." "Lenders continue to look for more predictive data, faster access to insight, and analytics that improve decisioning without adding operational friction," said Anna Fisher, Vice President of Alternative Finance at Equifax. "This partnership reflects a shared commitment to helping lenders expand visibility, strengthen underwriting strategies, and better serve today's evolving consumer credit market." The integration is gaining early traction as Congruit works with initial lenders evaluating and adopting the expanded solution. By combining traditional consumer credit data with Congruit's behavior-based insights, these organizations are exploring new ways to strengthen underwriting decisions, improve portfolio performance, and responsibly expand access to credit. The partnership reflects broader industry momentum around alternative and behavior-based data, particularly as lenders seek more adaptive approaches to evaluating consumer risk and identifying opportunities for responsible growth. Congruit and Equifax are committed to supporting lenders in responsibly extending access to credit for more consumers.