Senior Credit Strategy Analyst

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.

Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together. 

The Senior Credit Strategy Analyst will report to Senior Credit Risk Manager, Personal Loans. 

As the Senior Credit Strategy Analyst, you will:

• Own end-to-end implementation of credit and fraud policies for all product lines within Earnest decisioning platform, including testing, deployment, and validation to ensure accuracy and alignment with policy intent
• Develop and optimize credit underwriting and fraud prevention strategies for personal loans, balancing growth, risk, and customer experience objectives
• Analyze portfolio performance, approval funnels, and fraud trends to identify opportunities for strategy enhancements and loss mitigation
• Design, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation frameworks
• Partner cross-functionally with Product, Data Science, Compliance, and Operations to ensure strategies are effectively deployed and monitored
• Build dashboards, reporting, and monitoring frameworks to track credit and fraud KPIs, including approval rates, losses, and fraud rates
• Support model and strategy governance through documentation, controls, and performance reviews

About You: 

• 3+ years of experience in risk management within consumer finance, banking, or lending
• 1+ years of experience implementing credit strategies within a loan decisioning platform (e.g., Alloy or similar systems)
• Experience working with credit bureau data (e.g., Experian, TransUnion, Equifax) and alternative data sources
• Strong knowledge of regulations, standards, and guidelines governing consumer lending
• Proficiency in SQL and Python for data analysis and strategy development
• Ability to independently analyze data, identify trends and anomalies, and translate insights into actionable recommendations
• Experience working with decisioning platforms to implement and maintain credit and fraud strategies, including translating policy into production-ready rules and logic

Even Better:

• 1+ year of experience working with consumer fraud tools and monitoring fraud trends
• Experience with BI and visualization tools such as Looker or Tableau
• Familiarity with internal control requirements and risk governance frameworks
• Experience validating data integrity and troubleshooting discrepancies across systems and pipelines
• Experience executing small- to mid-sized cross-functional initiatives with limited oversight
• Strong understanding of data structures and ability to quickly learn new databases and tools
• Demonstrated focus on efficiency improvements, automation, and process optimization

Where:

• This role will be based in the US.

#LI-KB

A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

Pay Range $124,000—$155,000 USD

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including: 

• Health, Dental, & Vision benefits plus savings plans
• Mac computers + work-from-home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• Restricted Stock Units (RSUs)
• 401(k) plan to help you save for retirement plus a company match
• Robust tuition reimbursement program
• $1,000 travel perk on each Earnie-versary to anywhere in the world 
• Competitive days of annual PTO
• Competitive parental leave

What Makes an Earnie:

At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:

• Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of su