Senior Credit Risk Analyst

Summary

Join EarnIn's Risk team as a Risk Analytics expert and contribute to our innovative approach to risk management. You will leverage data analysis, machine learning, and collaboration to refine risk strategies, build risk-prevention methods, and monitor performance. This role involves translating analytical insights into business metrics and working cross-functionally with various teams. The position offers a competitive salary range of $125,000 - $195,000 + equity + benefits and is open to both remote and hybrid applicants. Based in Mountain View, CA, this role requires in-office work 2-3 days a week. EarnIn is committed to diversity and inclusion, fostering a culture of belonging.

Requirements

• An expert with SQL and experienced with Python
• 5+ years relevant experience in a credit risk analytics role in financial industry
• Working knowledge of the fundamentals of fintech risk. Have an understanding of industry risk trends, including familiarity with risk strategy development
• Communicate metrics and data clearly and able to translate analytical insights to business metrics
• Ability to apply statistics and probability concepts to split testing or LTV estimation
• Strong interpersonal skills and are able to work cross-functionally in the team environments
• Ability to think creatively and thrive in a fast-paced, dynamic, often ambiguous work environment

Responsibilities

• Proactively explore data and identify opportunities to refine our risk management strategies
• Conduct pattern analysis by researching and analyzing risk trends and patterns, provide valuable information for use in building risk-prevention methods
• Define performance metrics and develop reports to monitor risk mitigation performance
• Integrated decision making in the business area considering broader economic P&L, brand and people impact
• Work closely with machine learning team to improve risk models with business insights and past experience
• Work cross-functionally with Machine Learning, Product, Engineering, Operations to mitigate risk
• Evaluate innovative data sources to solve individual identity risk and transaction risk

Benefits

• Equity
• Benefits
• Remote and hybrid applicants