Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.

We build tools that help people feel in control of their financial future, including:

Private student loans - low rates, people-first service, and flexible payments.
Student loan refinancing - break free from high-interest rates or monthly payments.
Scholarships - access to thousands of scholarships to help students pay less.

Earnies are committed to helping students live their best lives, free from the stress of student debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together!

The Lead Quant Risk Analyst will report to the Head of Risk.

As the Lead Quant Risk Analyst, you will:

Play a pivotal role in managing and optimizing our loss modeling and underwriting, ensuring frictionless risk optimization to support our strategic goals
Define roadmap and strategy around risk modeling foundation, structure, and backbone of the modeling systems.
Lead the quant risk team and collaborate closely with analytics, data science and cross-functional teams to unlock the full potential of our risk data

Your Impact:

Set the technical direction for the team by proposing risk technologies, tools, and languages that can be used to solve business problems.
Implement and enforce data quality standards, data validation, and data governance processes to ensure data accuracy and reliability.
Support development of data transformations on SQL/DBT, advanced analytics and reporting solutions on Looker to provide actionable insights to various stakeholders.

About You:

2-3 year’s experience working with Financial Systems and/or Financial Data
4-6 years of experience in designing and building risk reporting using Snowflake (or other data warehouses) and Looker (or other visualization tools)
SQL Expert
Willingness to travel to the Oakland office monthly to collaborate with other Earnies.

Even Better:

Experience in Fintech
Python Expert

Where:

This role is fully remote from anywhere within the US.

#LI-JP1

#LI-Remote

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. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, and budget. This range may be modified in the future.

Pay Range

$191,000—$216,000 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” culture:

Drivers – Drivers are satisfied by making things happen, not coming along for the ride. They feel a strong sense of ownership for their projects and teams and demand high standards from themselves and others.
Humility – Humble team players check their egos and consider the team’s needs above their own. They are self-aware of their strengths and opportunities for improvement.
Growth Mindset – People with a growth mindset approach challenges and failures as learning opportunities. They seek feedback to improve, give feedback to others, and genuinely want to perform well.

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

Quantitative Risk Analytics Lead

Earnest

Compensation Overview

Simplify's Take

What believers are saying

What critics are saying

What makes Earnest unique

Benefits