Job Details

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 intentDevelop and optimize credit underwriting and fraud prevention strategies for personal loans, balancing growth, risk, and customer experience objectivesAnalyze portfolio performance, approval funnels, and fraud trends to identify opportunities for strategy enhancements and loss mitigationDesign, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation frameworksPartner cross-functionally with Product, Data Science, Compliance, and Operations to ensure strategies are effectively deployed and monitoredBuild dashboards, reporting, and monitoring frameworks to track credit and fraud KPIs, including approval rates, losses, and fraud ratesSupport model and strategy governance through documentation, controls, and performance reviewsAbout You:3+ years of experience in risk management within consumer finance, banking, or lending1+ 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 sourcesStrong knowledge of regulations, standards, and guidelines governing consumer lendingProficiency in SQL and Python for data analysis and strategy developmentAbility to independently analyze data, identify trends and anomalies, and translate insights into actionable recommendationsExperience working with decisioning platforms to implement and maintain credit and fraud strategies, including translating policy into production-ready rules and logicEven Better:1+ year of experience working with consumer fraud tools and monitoring fraud trendsExperience with BI and visualization tools such as Looker or TableauFamiliarity with internal control requirements and risk governance frameworksExperience validating data integrity and troubleshooting discrepancies across systems and pipelinesExperience executing small- to mid-sized cross-functional initiatives with limited oversightStrong understanding of data structures and ability to quickly learn new databases and toolsDemonstrated focus on efficiency improvements, automation, and process optimizationWhere:This role will be based in the US.Pay Range: $124,000—$155,000 USDHealth, Dental, & Vision benefits plus savings plansMac computers + work-from-home stipend to set up your home officeMonthly internet and phone reimbursementEmployee Stock Purchase PlanRestricted Stock Units (RSUs)401(k) plan to help you save for retirement plus a company matchRobust tuition reimbursement program$1,000 travel perk on each Earnie-versary to anywhere in the worldCompetitive days of annual PTOCompetitive parental leaveEarnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.#J-18808-Ljbffr