Remote Senior Credit Risk Analytics Lead

EarnIn; Chicago (IL); Remote; USD 174,000 - 246,000; Full time

Benefits offered by this job

Equity

Benefits

Job summary

EarnIn is a pioneer in earned wage access, delivering real-time financial flexibility for people living paycheck to paycheck. As a Staff Risk Analyst, you’ll turn information into insights through analytics, data science, and experimentation to help the company grow, focusing on credit risk management, limit/max policy, member retention, and forecasting.

This full-time, remote role in the United States offers a base salary range of $173,928 to $245,773 plus equity and benefits; those local to

Qualifications

• 7+ years of experience in a credit risk analytics, decision science, or risk strategy role, ideally within fintech or consumer financial products.
• Expert in SQL; comfortable with Python for analysis and experimentation.
• Working knowledge of fintech risk fundamentals, including risk strategy development, limit/max policy, and portfolio monitoring.
• Experience designing and evaluating A/B tests or policy experiments, and translating results into recommendations.
• Comfortable working with forecasting or curve-based modeling (e.g., cash flow, loss, or usage forecasts).
• Strong communicator who can translate analytical findings into clear, actionable business recommendations.
• Able to work cross-functionally with Machine Learning, Product, Engineering, and Operations.
• Ability to think creatively and thrive in a fast-paced, dynamic, and often ambiguous environment.

Responsibilities

• Own policy optimization for member credit limits, balancing retention, churn, and risk exposure
• Design, run, and evaluate policy experiments and A/B tests, translating results into concrete policy changes
• Own forecasting and reporting infrastructure that keeps risk and portfolio performance visible to stakeholders
• Proactively explore data to identify opportunities to refine risk management strategies and surface emerging risk trends
• Define performance metrics and build reports/dashboards to monitor policy and portfolio performance
• Partner closely with Machine Learning, Product, Engineering, and Operations to translate analysis into shipped policy and product changes
• Work closely with the Machine Learning team throughout the model development lifecycle, helping shape how risk models are built since you'll be a primary consumer of their outputs
• Monitor deployed models in production, tracking performance and stability over time and flagging drift or degradation that should inform retraining or redesign
• Partner with Product to understand customer anecdotes and pain points, and design risk policy with customer experience in mind alongside risk and business outcomes

Skills

Credit risk

Experimentation

Forecasting

Stakeholder comms

Cross-functional work

Model development

Tools

SQL

Python

Job description

EarnIn is a pioneer in earned wage access, delivering real-time financial flexibility for people living paycheck to paycheck. As a Staff Risk Analyst, you’ll turn information into insights through analytics, data science, and experimentation to help the company grow, focusing on credit risk management, limit/max policy, member retention, and forecasting.

This full-time, remote role in the United States offers a base salary range of $173,928 to $245,773 plus equity and benefits; those local to