Staff Risk Analyst - Fintech Credit & Policy

Earnin; Northern (KY); Remote; USD 173,000 - 246,000; Full time

Job summary

EarnIn is a pioneer in earned wage access, delivering real-time financial flexibility. We are seeking a Staff Risk Analyst to drive analytics for credit risk, with a focus on limit policy, forecasting, and member retention. This is a remote US-based role, with in‑office time required for Mountain View staff.

You’ll own risk policy experiments, build forecasting infrastructure, and partner with ML, Product, Engineering and Ops to ship policy and product changes.

Qualifications

• 7+ years of experience in credit risk analytics, decision science, or risk strategy within fintech or consumer finance.
• Expert proficiency in SQL; comfortable using Python for analysis and experimentation.
• Solid fintech risk fundamentals including limit/max policy, portfolio monitoring, and risk strategy development.
• Experience designing and evaluating A/B tests or policy experiments and turning results into recommendations.
• Ability to build forecasting models and dashboards to monitor risk and portfolio performance.

Responsibilities

• Own policy optimization for member credit limits to balance retention, churn, and risk exposure.
• Design, run, and evaluate policy experiments and A/B tests; translate results into policy changes.
• Own forecasting and reporting infrastructure to keep risk and portfolio performance visible to stakeholders.
• 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.
• Collaborate with Machine Learning, Product, Engineering, and Operations to translate analysis into policy and product changes.
• Work with the ML team throughout model development, serving as a primary consumer of outputs.
• Monitor deployed models in production, track performance, flag drift, and inform retraining or redesign.
• Partner with Product to understand customer feedback and design risk policy that supports business outcomes.

Skills

SQL

Python

Credit risk analytics

Experimentation

Forecasting

Cross-functional collaboration

Communication

Job description

EarnIn is a pioneer in earned wage access, delivering real-time financial flexibility. We are seeking a Staff Risk Analyst to drive analytics for credit risk, with a focus on limit policy, forecasting, and member retention. This is a remote US-based role, with in‑office time required for Mountain View staff.

You’ll own risk policy experiments, build forecasting infrastructure, and partner with ML, Product, Engineering and Ops to ship policy and product changes.