Staff Risk Analyst (Fully Remote)

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

• Our Risk team turns information into insights through analytics, data science, and experimentation to drive growth.
• You'll represent risk analytics for credit risk management, focusing on limit/max policy, member retention, and forecasting.

What You'll Do:

• 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.

What We're Looking For:

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

EarnIn

EarnIn builds products that deliver real-time financial flexibility for people living paycheck to paycheck, pioneering earned wage access. It has a fast-growing, diverse culture with an experienced leadership team and backing from top investors like A16Z.