As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks.
We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey.
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.
EarnIn does not accept unsolicited resumes from individual recruiters or third-party recruiting agencies in response to job postings. No fee will be paid to third parties who submit unsolicited candidates directly to our hiring managers or HR team.
Skills Required
- 7+ years of experience in credit risk analytics, decision science, or risk strategy
- Experience ideally within fintech or consumer financial products
- Expertise in SQL
- Comfort using 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
- Ability to translate experiment results into recommendations
- Experience with forecasting or curve-based modeling, such as cash flow, loss, or usage forecasts
- Strong communication skills and ability to translate analytical findings into business recommendations
- Ability to work cross-functionally with Machine Learning, Product, Engineering, and Operations
- Ability to think creatively and work effectively in a fast-paced, dynamic, ambiguous environment
What We Do
Earnin’s mission is to build a financial system that works for people. Every year, while Americans wait for their paychecks, more than $1 trillion of their hard-earned money is held up in the pay cycle. As a result, we accumulate over $50 billion in late and overdraft fees and turn to high-interest loans. We seek to eliminate those fees and put money back into workers’ hands. Our financial system doesn’t work for people. But Earnin does. Earnin is an app that lets people get paid as soon as they leave work, with no fees, interest, or hidden costs. App users can receive their money in their bank account instantly at little or no cost — as we operate on a pay what you choose model. All they need is a bank account and a job that provides direct deposit or uses electronic timesheets. At Earnin, we’re building the way we think a financial system should work for everyone, not just the people who can afford it. We help people take control of their money and get to a better financial place. Our goal is not only to provide great products at little or no cost to the people who need them but also to inspire kindness across the financial world and eventually across all industries.
