Senior Credit Risk Analytics Lead — Growth & Policy

EarnIn; United States; Remote; USD 130,000 - 180,000; Full time

Job summary

EarnIn is seeking an experienced risk analytics professional to own policy optimization for member credit limits and forecast risk exposure. This role focuses on balancing retention with risk controls and improving credit performance.

You will partner with Machine Learning, Product, Engineering, and Operations to translate analyses into shipped changes, using SQL and Python to drive experimentation and measurable impact.

Qualifications

• Expert in SQL and Python for analysis and experimentation.
• 7+ years in credit risk analytics, decision science, or risk strategy within fintech or consumer financial products.

Responsibilities

• Own policy optimization for member credit limits, balancing retention, churn, and risk exposure.
• Partner with Machine Learning, Product, Engineering, and Operations to translate analysis into shipped changes.

Skills

SQL

Python

Job description

EarnIn is seeking an experienced risk analytics professional to own policy optimization for member credit limits and forecast risk exposure. This role focuses on balancing retention with risk controls and improving credit performance.

You will partner with Machine Learning, Product, Engineering, and Operations to translate analyses into shipped changes, using SQL and Python to drive experimentation and measurable impact.