At Earnest, we empower you to take control of your career so you can empower students to take control of their finances.
Senior Credit Strategy Analyst
Location
California
Posted
46 days ago
Salary
$124K - $155K / year
Seniority
Senior
Job Description
Senior Credit Strategy Analyst
Earnest
• Own end-to-end implementation of credit and fraud policies for all product lines within Earnest decisioning platform, including testing, deployment, and validation to ensure accuracy and alignment with policy intent • Develop and optimize credit underwriting and fraud prevention strategies for personal loans, balancing growth, risk, and customer experience objectives • Analyze portfolio performance, approval funnels, and fraud trends to identify opportunities for strategy enhancements and loss mitigation • Design, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation frameworks • Partner cross-functionally with Product, Data Science, Compliance, and Operations to ensure strategies are effectively deployed and monitored • Build dashboards, reporting, and monitoring frameworks to track credit and fraud KPIs, including approval rates, losses, and fraud rates • Support model and strategy governance through documentation, controls, and performance reviews
Job Requirements
- 3+ years of experience in risk management within consumer finance, banking, or lending
- 1+ years of experience implementing credit strategies within a loan decisioning platform (e.g., Alloy or similar systems)
- Experience working with credit bureau data (e.g., Experian, TransUnion, Equifax) and alternative data sources
- Strong knowledge of regulations, standards, and guidelines governing consumer lending
- Proficiency in SQL and Python for data analysis and strategy development
- Ability to independently analyze data, identify trends and anomalies, and translate insights into actionable recommendations
- Experience working with decisioning platforms to implement and maintain credit and fraud strategies, including translating policy into production-ready rules and logic
Benefits
- Health, Dental, & Vision benefits plus savings plans
- Mac computers + work-from-home stipend to set up your home office
- Monthly internet and phone reimbursement
- Employee Stock Purchase Plan
- Restricted Stock Units (RSUs)
- 401(k) plan to help you save for retirement plus a company match
- Robust tuition reimbursement program
- $1,000 travel perk on each Earnie-versary to anywhere in the world
- Competitive days of annual PTO
- Competitive parental leave
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