Senior Risk Policy Analyst - Remote + Equity

Earnin; United States; Hybrid; USD 174,000 - 246,000; Full time

Benefits offered by this job

Remote role in the U.S.

In-office 2 days/week near Mountain | 

Job summary

Earnin is seeking a Staff Risk Analyst to drive credit risk analytics, decision science and policy optimization for its real-time earned wage access platform. You will shape member credit limit policy, retention and risk exposure by running experiments, forecasting, and translating results into shipped policies with cross-functional partners.

You will own forecasting and reporting infrastructure, monitor risk models, and collaborate with Machine Learning, Product, Engineering, and Operations to

Qualifications

• 7+ years of experience in credit risk analytics, decision science, or risk strategy.
• Expert-level SQL and Python for analysis and experimentation.
• Experience with fintech or consumer financial products is preferred.

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 strategies and surface emerging trends.
• Define performance metrics and build reports and dashboards to monitor policy and portfolio performance.
• Partner with Machine Learning, Product, Engineering, and Operations to ship policy and product changes.
• Monitor deployed risk models in production, flagging drift or degradation that should inform retraining or redesign.
• Partner with Product to design risk policy with customer experience in mind alongside risk and business outcomes.

Skills

SQL

Python

Communication

Education

7+ years of credit risk analytics experience

Job description

Earnin is seeking a Staff Risk Analyst to drive credit risk analytics, decision science and policy optimization for its real-time earned wage access platform. You will shape member credit limit policy, retention and risk exposure by running experiments, forecasting, and translating results into shipped policies with cross-functional partners.

You will own forecasting and reporting infrastructure, monitor risk models, and collaborate with Machine Learning, Product, Engineering, and Operations to