Staff Risk Analyst, Earnin
$173.9-245.8k
+ Equity
More information about location
Paycheck advance service for employees
Be an early applicant
Paycheck advance service for employees
501-1000 employees
Be an early applicant
$173.9-245.8k
+ Equity
More information about location
501-1000 employees
Company mission
To build a financial system that works for people.
Role
Who you are
- 7+ years of experience in a credit risk analytics, decision science, or risk strategy role, ideally within fintech or consumer financial products
- Expert in SQL; comfortable with Python for analysis and experimentation
- Working knowledge of fintech risk fundamentals, including risk strategy development, limit/max policy, and portfolio monitoring
- Experience designing and evaluating A/B tests or policy experiments, and translating results into recommendations
- Comfortable working with forecasting or curve-based modeling (e.g., cash flow, loss, or usage forecasts)
- Strong communicator who can translate analytical findings into clear, actionable business recommendations
- Able to work cross-functionally with Machine Learning, Product, Engineering, and Operations
- Ability to think creatively and thrive in a fast-paced, dynamic, and often ambiguous environment
What the job involves
- Our Risk team takes a unique approach to risk management, portfolio management, and interacting with our community members
- As a Staff Risk Analyst, you'll turn information into insights through analytics, data science, and experimentation to help the company achieve tremendous growth
- You'll represent risk analytics for credit risk management, with a focus on limit/max policy, member retention, and forecasting
- Own policy optimization for member credit limits, balancing retention, churn, and risk exposure
- Design, run, and evaluate policy experiments and A/B tests, translating results into concrete policy changes
- Own forecasting and reporting infrastructure that keeps risk and portfolio performance visible to stakeholders
- Proactively explore data to 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
- Partner closely with Machine Learning, Product, Engineering, and Operations to translate analysis into shipped policy and product changes
- Work closely with the Machine Learning team throughout the model development lifecycle, helping shape how risk models are built since you'll be a primary consumer of their outputs
- Monitor deployed models in production, tracking performance and stability over time and flagging drift or degradation that should inform retraining or redesign
- Partner with Product to understand customer anecdotes and pain points, and design risk policy with customer experience in mind alongside risk and business outcomes
Our take
Paying bills is an inevitable part of life, but paying them late or dipping into overdrafts can result in fees. This is the reality for millions of workers who have to wait for their paychecks to arrive – and the problem that companies like EarnIn are trying to solve. By allowing hourly workers access to their pay as it is earned rather than on a fixed date, it hopes to provide all Americans with the ability to deal with immediate costs without going into arrears.
Unlike competitors in this growing space, Earnin charges no mandatory fees, instead gaining revenue through a voluntary tipping system. It also requires no credit checks to access its services, which puts it ahead of the growing number of digital banking solutions. This approach has garnered it a strong user base of business customers who offer Earnin as an employee benefit.
Earnin has managed to continue its steady growth even while the wider tech landscape suffered setbacks, which suggests a wise leadership. It also continues to improve its offering and expand its network of businesses, aiming to give every employee in America control of the money they've earned.
Freddie
Company Specialist at Welcome to the Jungle
Insights
42% employee growth in 12 months
Company
Funding (last 2 of 4 rounds)
Dec 2018
$125m
SERIES C
Sep 2017
$39m
SERIES B
Total funding: $190.1m
Company benefits
- 401k
- FSA
- Mental health resources
- Employee Resource Groups
- Stipend for growth opportunities
- Pet friendly office
- Work from home opportunities
- Health insurance
Company HQ
Evergreen Park, Palo Alto, CA
Leadership
Ram Palaniappan
(Founder & CEO)Was Senior Operations Manager at Reflect.com, a P&G company. Served as President of UniRush from 2004 to 2012.
Salary benchmarks
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