Senior Credit Risk Analyst, Earnest

• 3+ years of experience in credit risk or a data-centric analytical role (e.g., financial modeling, consulting, pricing, or risk analytics)
• Bachelor’s degree in a quantitative field such as Economics, Finance, Engineering, or a related discipline
• Strong SQL skills and experience working with large datasets in an analytical environment
• High attention to detail with the ability to synthesize and communicate complex analyses clearly
• Demonstrated critical thinking, problem-solving skills, and comfort working on multiple projects under tight deadlines

Desirable

• The Risk Analyst II will report to Senior Credit Risk Manager, Student Loans
• Perform qualitative and quantitative analyses to inform credit strategies across loan approvals, pricing, servicing, and collections
• Track and analyze loan portfolio performance to identify emerging risks, trends, and opportunities for optimization
• Test and evaluate credit risk controls, identify gaps, and recommend improvements to strengthen risk mitigation
• Monitor and report on key risk metrics and KPIs, including investigation of compliance and credit risk gaps
• Partner cross-functionally with Product, Operations, Compliance, and Engineering to implement and validate credit policies and workflows