Join EarnIn as a Staff Risk Analyst to optimize credit limits and enhance risk management strategies in a remote role.
Posted by employer 2 days ago
First seen on Joblaze 1 day ago
Last verified on the company career page 1 day ago
What you'll build
- Own policy optimization for member credit limits
- Design, run, and evaluate policy experiments and A/B tests
- Own forecasting and reporting infrastructure
- Proactively explore data to identify opportunities
- Define performance metrics and build reports/dashboards
Must have
- 7+ years of experience in credit risk analytics
- Expert in SQL
- Comfortable with Python for analysis
- Working knowledge of fintech risk fundamentals
- Experience designing and evaluating A/B tests
Practical constraints
- In-office work 2 days a week for local candidates
Requirements
- Experience
- 7+ years
Not disclosed in this posting: visa sponsorship.
Benefits
Joblaze summary
In the role of Staff Risk Analyst at Earnin, the individual will focus on optimizing credit limit policies and conducting experiments to enhance member retention while managing risk exposure. Proficiency in SQL and familiarity with Python are essential, alongside a solid understanding of fintech risk fundamentals and experience in A/B testing. This position is suited for a seasoned professional with over seven years in credit risk analytics, particularly within the fintech sector, who can effectively communicate insights and collaborate across teams. Earnin's growth trajectory and commitment to financial flexibility for its community members underscore the importance of this role.
Joblaze insights
- Listed yesterday — first seen on Joblaze October 7, 2026. Last confirmed on Earnin's careers page October 7, 2026.
- Salary band is above the typical range for comparable tech roles (median ~$128,800).
- Starts above 45% of 29 comparable staff other roles in United States that list Python we track (median $182,400 across 17 companies). See Python salary trends
- Python appears in 18.3% of 235 comparable staff other roles in United States; SQL appears in 2.1% of 235 comparable staff other roles in United States.
Quick facts
- Is the Staff Risk Analyst role remote?
- It's hybrid — Earnin expects some on-site time in United States.
- What's the salary range?
- Earnin lists $173,928–$245,773 for this role.
- How much experience is required?
- At least 7 years of relevant experience for this Staff Risk Analyst role.
- Where is the role based?
- Earnin is hiring for this position in United States.
- What's the tech stack?
- Joblaze extracted these technologies from the posting: Python, SQL.
- What seniority level is this role?
- Earnin targets staff-level candidates for this position.
- Is this full-time or contract?
- Full-time for this Staff Risk Analyst role at Earnin.
From the original posting
About EarnIn
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
- 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
#LI-Remote
At EarnIn, we believe that the best way to build a financial system that works for everyday people is by hiring a team that represents our diverse community. Our team is diverse not only in background and experience but also in perspective. We celebrate our diversity and strive to create a culture of belonging. EarnIn does not unlawfully discriminate based on race, color, religion, sex (including pregnancy, childbirth, breastfeeding, or related medical conditions), gender identity, gender expression, national origin, ancestry, citizenship, age, physical or mental disability, legally protected medical condition, family care status, military or veteran status, marital status, registered domestic partner status, sexual orientation, genetic information, or any other basis protected by local, state, or federal laws. EarnIn is an E-Verify participant.
Standard company text repeated across Earnin's postings is omitted here.