Senior Credit Strategy Analyst

Job not on LinkedIn

🕒 April 10

🏄 California – Remote

🏄 California – Remote

💵 $124k - $155k / year

⏰ Full Time

🟠 Senior

🧐 Analyst

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Earnest

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2013

💳 Fintech

💸 Finance

👥 B2C

Fintech • Finance • B2C

Earnest is a financial technology company specializing in refinancing and consolidating student loans. It offers options to help clients reduce their interest rates and tailor loan payments to fit their budgets, without any credit impact. The company focuses on client satisfaction, providing in-house support and flexible refinancing solutions. Earnest's services include refinancing student loans, Parent PLUS refinancing, and personal loans, with the aim of making higher education more affordable and manageable for students and their families. Known for transparent practices and competitive rates, Earnest has refinanced over $19. 6 billion in student loans.

📋 Description

• 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

🎯 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