Lead Credit Risk Analyst

2 weeks ago

Stanford, California, United States Earnin Full time
ABOUT EARNIN

As a trailblazer in earned wage access, EarnIn is dedicated to creating solutions that provide real-time financial flexibility for individuals navigating the challenges of living paycheck to paycheck. Our users can access their earnings as they accrue them, with options to spend, save, and enhance their financial well-being without incurring mandatory fees, interest rates, or credit checks. Since our inception, our application has been downloaded over 13 million times, granting access to more than $15 billion in earnings.

We are privileged to have a highly experienced leadership team, complemented by top-tier funding partners such as A16Z, Matrix Partners, DST, and Ribbit Capital, along with a robust core business and significant growth potential. We are expanding rapidly and are eager to welcome exceptional talent to help shape the next phase of our journey.

The US base salary range for this full-time position is $151,200 - $184,800 + equity + benefits. Our salary ranges are determined by role, level, and location.

ABOUT THE ROLE

Our Risk team employs a distinctive approach to risk management, portfolio oversight, and engagement with our community members. You will have the chance to transform data into actionable insights through analytics, data science, and experimentation, contributing to the company's significant growth. This position will serve as the key representative for risk analytics in credit and fraud risk management.

Key Responsibilities:
  • Proactively analyze data to identify opportunities for enhancing our risk management strategies.
  • Conduct trend analysis by researching and evaluating risk patterns, providing essential information for developing risk-prevention methodologies.
  • Establish performance metrics and create reports to assess risk mitigation effectiveness.
  • Integrate decision-making within the business context, considering broader economic impacts, brand reputation, and personnel implications.
  • Collaborate closely with the machine learning team to refine risk models using business insights and historical data.
  • Work cross-functionally with U.S. team members from Machine Learning, Product, Engineering, and Operations to address risk.
  • Develop and implement risk policies within the internal risk management framework.
Qualifications:
  • Proficient in SQL and experienced with Python.
  • Minimum of 4 years of relevant experience in a credit or fraud risk analytics role within the financial sector.
  • Solid understanding of fintech risk fundamentals, including familiarity with industry risk trends and strategy development.
  • Ability to clearly communicate metrics and data, translating analytical insights into business-relevant metrics.
  • Competence in applying statistical and probability concepts to split testing or lifetime value estimation.
  • Strong interpersonal skills, with the ability to collaborate effectively in team environments.
  • Creative thinker who thrives in a fast-paced, dynamic, and often ambiguous work setting.
At EarnIn, we believe that building a financial system that serves everyday people requires a team that reflects our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to foster a culture of belonging. EarnIn is an E-Verify participant.

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