Senior Credit Risk Analytics Lead (Remote)

EarnIn; Mountain View (CA); Hybrid; USD 174,000 - 246,000; Full time

Job summary

EarnIn is seeking a Staff Risk Analyst to turn data into insights through analytics, data science, and experimentation to help the company achieve tremendous growth. You’ll represent risk analytics for credit risk management with a focus on limit/max policy, member retention, and forecasting.

The base salary range for this full-time role is $173,928 – $245,773 plus equity and benefits. This is a remote role in the US, however those local to Mountain View (headquarters) will require in-office

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.

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

SQL expertise

Python for analysis

Credit risk analytics

A/B testing design

Forecasting models

Cross-functional collaboration

Communication

Job description

EarnIn is seeking a Staff Risk Analyst to turn data into insights through analytics, data science, and experimentation to help the company achieve tremendous growth. You’ll represent risk analytics for credit risk management with a focus on limit/max policy, member retention, and forecasting.

The base salary range for this full-time role is $173,928 – $245,773 plus equity and benefits. This is a remote role in the US, however those local to Mountain View (headquarters) will require in-office