Staff Risk Analyst

EarnIn

. Own policy optimization for member credit limits, balancing retention, churn, and risk exposure .

Posted 10/5/2026full-timeUnited StatesLead💰 $173,928 - $245,773 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in credit risk analytics and decision science, with a strong focus on policy optimization, A/B testing, and risk management strategies. Proficient in SQL and Python, with the ability to translate complex analytical findings into actionable business recommendations while collaborating cross-functionally.

Highest-signal resume keywords

Credit Risk AnalyticsSQL ExpertiseA/B Testing DesignRisk Strategy DevelopmentCross-Functional Collaboration

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

SQLPythonRisk Strategy DevelopmentA/B TestingForecastingPolicy OptimizationData AnalysisPerformance MetricsModel MonitoringPortfolio Monitoring

Soft Skills

Strong CommunicationCreative ThinkingAdaptability

Industry Keywords

FintechConsumer Financial ProductsRisk ManagementDecision Science

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

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
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

Requirements

What you’ll need

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

Benefits

Comp & perks

Equity
Benefits
Diverse and inclusive workplace culture
EarnIn is an E-Verify participant