Senior Fraud Strategy Analyst

Emploi pas sur LinkedIn

🕒 il y a 2 mois

🇺🇸 États-Unis – Télétravail

💵 $124 000 - $155 000 / an

⏰ Temps Plein

🟠 Senior

🧐 Analyste

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Earnest

Site WebLinkedInTous les Emplois

201 - 500 employés

Fondée en 2013

💳 Fintech

💸 Finance

👥 B2C

Fintech • Finance • B2C

Earnest est une entreprise de technologie financière spécialisée dans le refinancement et la consolidation des prêts étudiants. Elle offre des options pour aider ses clients à réduire leurs taux d'intérêt et à adapter les paiements de prêts à leur budget, sans impact sur leur crédit. L'entreprise met l'accent sur la satisfaction des clients, en fournissant un support interne et des solutions de refinancement flexibles. Les services d'Earnest incluent le refinancement des prêts étudiants, le refinancement des prêts Parent PLUS, et des prêts personnels, dans le but de rendre l'enseignement supérieur plus abordable et gérable pour les étudiants et leurs familles. Connue pour ses pratiques transparentes et ses taux compétitifs, Earnest a refinancé plus de 19,6 milliards de dollars de prêts étudiants.

Description

• Design, develop, and optimize fraud strategies across personal loans and student loan refinance products • Monitor portfolio performance to identify emerging fraud trends, risks, and optimization opportunities • Develop and deploy fraud rules and strategies using segmentation, statistical analysis, and predictive modeling techniques • Own end-to-end fraud mitigation processes, with accountability for fraud loss reduction and performance outcomes • Design and execute A/B tests and champion/challenger frameworks to evaluate strategy effectiveness • Build and maintain scalable analytical frameworks using tools such as Snowflake and dbt • Develop dashboards and reporting (e.g., Looker) to monitor KPIs such as fraud rate, approval rate, and false positives • Generate actionable insights from structured and unstructured datasets, including limited or noisy data environments • Partner with cross-functional teams (Product, Engineering, Risk, Operations) and external vendors to implement fraud solutions • Leverage internal and third-party data to enhance fraud detection capabilities • Continuously evaluate and refine strategies based on performance metrics and evolving fraud patterns • Communicate insights, strategy performance, and model behavior clearly to stakeholders and senior leadership • Support model development lifecycle, including design, validation, and production deployment

🎯 Exigences

• Bachelor’s degree in a quantitative field (e.g., Statistics, Engineering, Analytics, Economics); Master’s preferred • 4+ years of experience in fraud risk, credit risk, or customer risk management within a financial institution or fintech • 3+ years of hands-on experience with SQL, Python, or R for data analysis and modeling • 3+ Proven experience designing and implementing fraud strategies for unsecured lending products (e.g., personal loans) • Strong analytical and problem-solving skills with attention to detail • Ability to translate complex data into clear, actionable insights • Effective communicator with experience influencing cross-functional stakeholders • Self-starter with a high degree of ownership, curiosity, and adaptability

🏖️ Avantages

• 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