[Hiring] Senior Credit Strategy Analyst @Earnest

Role Description

The Senior Credit Strategy Analyst will report to Senior Credit Risk Manager, Personal Loans. As the Senior Credit Strategy Analyst, you will:

• Own end-to-end implementation of credit and fraud policies for all product lines within Earnest decisioning platform, including testing, deployment, and validation to ensure accuracy and alignment with policy intent.
• Develop and optimize credit underwriting and fraud prevention strategies for personal loans, balancing growth, risk, and customer experience objectives.
• Analyze portfolio performance, approval funnels, and fraud trends to identify opportunities for strategy enhancements and loss mitigation.
• Design, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation frameworks.
• Partner cross-functionally with Product, Data Science, Compliance, and Operations to ensure strategies are effectively deployed and monitored.
• Build dashboards, reporting, and monitoring frameworks to track credit and fraud KPIs, including approval rates, losses, and fraud rates.
• Support model and strategy governance through documentation, controls, and performance reviews.

Qualifications

• 3+ years of experience in risk management within consumer finance, banking, or lending.
• 1+ years of experience implementing credit strategies within a loan decisioning platform (e.g., Alloy or similar systems).
• Experience working with credit bureau data (e.g., Experian, TransUnion, Equifax) and alternative data sources.
• Strong knowledge of regulations, standards, and guidelines governing consumer lending.
• Proficiency in SQL and Python for data analysis and strategy development.
• Ability to independently analyze data, identify trends and anomalies, and translate insights into actionable recommendations.
• Experience working with decisioning platforms to implement and maintain credit and fraud strategies, including translating policy into production-ready rules and logic.

Requirements

• 1+ year of experience working with consumer fraud tools and monitoring fraud trends.
• Experience with BI and visualization tools such as Looker or Tableau.
• Familiarity with internal control requirements and risk governance frameworks.
• Experience validating data integrity and troubleshooting discrepancies across systems and pipelines.
• Experience executing small- to mid-sized cross-functional initiatives with limited oversight.
• Strong understanding of data structures and ability to quickly learn new databases and tools.
• Demonstrated focus on efficiency improvements, automation, and process optimization.

Benefits

• Health, Dental, & Vision benefits plus savings plans.
• Mac computers + work-from-home stipend to set up your home office.
• Monthly internet and phone reimbursement.
• Employee Stock Purchase Plan.
• Restricted Stock Units (RSUs).
• 401(k) plan to help you save for retirement plus a company match.
• Robust tuition reimbursement program.
• $1,000 travel perk on each Earnie-versary to anywhere in the world.
• Competitive days of annual PTO.
• Competitive parental leave.