Earnin
Staff Credit Risk Analyst
Remote, US. Posted a month ago
The role
You will represent risk analytics for credit risk management, focusing on limit/max policy, member retention, and forecasting. You will use analytics, data science, and experimentation to turn information into insights.
What you will do
- Own policy optimization for member credit limits, balancing retention, churn, and risk exposure
- Design, run, and evaluate policy experiments and A/B tests
- Own forecasting and reporting infrastructure
- Explore data to identify opportunities to refine risk management strategies and surface emerging risk trends
- Define performance metrics and build reports/dashboards
- Partner with Machine Learning, Product, Engineering, and Operations to translate analysis into policy and product changes
- Work with the Machine Learning team throughout the model development lifecycle
- Monitor deployed models in production to track performance and stability
- Partner with Product to design risk policy with customer experience in mind
Required qualifications
- 7+ years of experience in a credit risk analytics, decision science, or risk strategy role
- Expert in SQL
- Comfortable with Python for analysis and experimentation
- Working knowledge of fintech risk fundamentals, including risk strategy development, limit/max policy, and portfolio monitoring
- Experience designing and evaluating A/B tests or policy experiments
- Comfortable working with forecasting or curve-based modeling
- Strong communicator who can translate analytical findings into clear, actionable business recommendations
- Able to work cross-functionally with Machine Learning, Product, Engineering, and Operations
- Ability to think creatively and thrive in a fast-paced, dynamic, and often ambiguous environment
Nice to have
- Experience ideally within fintech or consumer financial products
Benefits
- Equity
- Benefits
About the company
EarnIn is a pioneer of earned wage access building products for real-time financial flexibility. The company is becoming AI-native, embedding AI agents into how they build, analyze, and operate.