Staff Credit Risk Analyst

$198,000 - $242,000/Yr

Earnin Compliance Team ActiveHours Inc. - Palo Alto, CA

Full-time - Mid Level

Hybrid - Palo Alto, CA

About the position

The Risk Analytics position at EarnIn focuses on enhancing risk management strategies through data analysis and collaboration with various teams. The role involves leveraging analytics and data science to provide insights that support credit risk management and contribute to the company's growth. This hybrid position requires a proactive approach to identifying risk trends and developing performance metrics to monitor risk mitigation efforts.

Responsibilities

• Proactively explore data and identify opportunities to refine risk management strategies.
• Conduct pattern analysis by researching and analyzing risk trends and patterns to provide valuable information for risk-prevention methods.
• Define performance metrics and develop reports to monitor risk mitigation performance.
• Integrate decision-making in the business area considering broader economic P&L, brand, and people impact.
• Work closely with the machine learning team to improve risk models using business insights and past experience.
• Collaborate cross-functionally with Machine Learning, Product, Engineering, and Operations to mitigate risk.
• Evaluate innovative data sources to address individual identity risk and transaction risk.

Requirements

• 8+ years of relevant experience in a credit risk analytics role within the financial industry.
• Expertise in SQL and experience with Python.
• Working knowledge of the fundamentals of fintech risk and industry risk trends.
• Ability to communicate metrics and data clearly, translating analytical insights into business metrics.
• Strong understanding of statistics and probability concepts applicable to split testing or LTV estimation.
• Strong interpersonal skills and ability to work cross-functionally in team environments.
• Creative thinking and ability to thrive in a fast-paced, dynamic, and often ambiguous work environment.

Benefits

• Equity options
• Comprehensive benefits package