Staff Credit Risk Analyst
EarnIn, a financial technology company founded in 2013, is seeking a Staff Credit Risk Analyst to join their Risk team. The company specializes in providing earned wage access and other financial services to help individuals manage their finances more effectively. This remote position is open to candidates across the United States, with a preference for those near the Mountain View, California headquarters.
In this role, the Staff Credit Risk Analyst will be responsible for optimizing member credit limits, balancing retention, churn, and risk exposure. They will design, execute, and assess policy experiments and A/B tests, translating findings into actionable policy changes. The analyst will also manage forecasting and reporting infrastructure to keep risk and portfolio performance visible to stakeholders. Additionally, they will proactively explore data to identify opportunities for refining risk management strategies and monitor deployed models in production, tracking performance and stability over time.
Candidates should have over seven years of experience in credit risk analytics, decision science, or risk strategy roles, preferably within fintech or consumer financial products. Proficiency in SQL and Python for analysis and experimentation is required. A solid understanding of fintech risk fundamentals, including risk strategy development, limit/max policy, and portfolio monitoring, is essential. Experience in designing and evaluating A/B tests or policy experiments, as well as working with forecasting or curve-based modeling, is also necessary. Strong communication skills to translate analytical findings into clear, actionable business recommendations are important.
The base salary range for this full-time position is $1,739,280 to $2,457,730, plus equity and benefits. The salary range is determined by role, level, and location. While the role is remote, candidates local to Mountain View will be required to work in the office two days a week.
EarnIn is committed to building a diverse team that represents the communities they serve. The company offers a culture of belonging, with employee resource groups and activities focused on social events, volunteering, networking, leadership, internal and external mentoring, and career development opportunities. They provide a hybrid work environment, generous paid time off, and a comprehensive benefits package, including health, dental, and vision insurance, as well as wellness programs.