Full-Time

Staff Credit Risk Analyst

Confirmed live in the last 24 hours

EarnIn

EarnIn

201-500 employees

Provides early wage access without fees

Fintech
Financial Services

Compensation Overview

$198k - $242kAnnually

+ Equity + Benefits

Senior

Palo Alto, CA, USA

Hybrid position; in-office presence required 2 days per week.

Category
Risk Management
Finance & Banking
Required Skills
Python
SQL
Data Analysis
Requirements
  • An expert with SQL and experienced with Python
  • 8+ years relevant experience in a credit risk analytics role in financial industry
  • Working knowledge of the fundamentals of fintech risk. Have an understanding of industry risk trends, including familiarity with risk strategy development
  • Communicate metrics and data clearly and able to translate analytical insights to business metrics
  • Ability to apply statistics and probability concepts to split testing or LTV estimation
  • Strong interpersonal skills and are able to work cross-functionally in the team environments
  • Ability to think creatively and thrive in a fast-paced, dynamic, often ambiguous work environment
Responsibilities
  • Proactively explore data and identify opportunities to refine our risk management strategies
  • Conduct pattern analysis by researching and analyzing risk trends and patterns, provide valuable information for use in building risk-prevention methods
  • Define performance metrics and develop reports to monitor risk mitigation performance
  • Integrated decision making in the business area considering broader economic P&L, brand and people impact
  • Work closely with machine learning team to improve risk models with business insights and past experience
  • Work cross-functionally with Machine Learning, Product, Engineering, Operations to mitigate risk
  • Evaluate innovative data sources to solve individual identity risk and transaction risk

Earnin provides a platform that allows individuals to access their earned wages before their official payday. Users can cash out a portion of their earnings without incurring any fees or interest, making it a convenient option for those needing quick funds for emergencies or daily expenses. The app features a "Balance Shield" that helps users maintain their bank account balance by automatically depositing money if it falls below a certain level. Unlike traditional financial institutions, Earnin operates on a unique model where users can choose how much to pay for the service, fostering a community-driven approach that encourages voluntary contributions. This model promotes financial fairness and accessibility, as users can contribute as little as zero dollars. Additionally, the "Tip Jar" feature helps users set and achieve savings goals in an engaging way. Earnin prioritizes user privacy and data security with 256-bit encryption.

Company Stage

Series C

Total Funding

$264.6M

Headquarters

Palo Alto, California

Founded

2012

Growth & Insights
Headcount

6 month growth

8%

1 year growth

22%

2 year growth

76%
Simplify Jobs

Simplify's Take

What believers are saying

  • Earnin has facilitated over $15 billion in earned wages, demonstrating significant user trust and market penetration.
  • Recognition through awards like the Best Payments App and Globee CEO World Awards highlights Earnin's industry leadership and innovation.
  • Strategic hires in legal and cybersecurity positions strengthen Earnin's compliance and data security, crucial for maintaining user trust and regulatory adherence.

What critics are saying

  • Past legal issues, such as the 2019 class action lawsuit for deceitful lending practices, could impact Earnin's reputation and user trust.
  • The voluntary contribution model may not be sustainable long-term if users opt to pay little or nothing for the service.

What makes EarnIn unique

  • Earnin's no-fee, no-interest model for accessing earned wages sets it apart from traditional financial institutions that rely on mandatory fees and interest charges.
  • The community-driven 'pay it forward' approach fosters a sense of mutual support and financial fairness, unlike competitors who do not emphasize community contributions.
  • Earnin's Balance Shield and Tip Jar features provide additional financial security and savings options, enhancing user experience beyond simple wage access.

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Benefits

Life in balance - Ten company holidays and flexible time off so you can rest and recharge when you need it most. With pay, no catch.

Family matters - When your family grows, we want your focus on them. Our generous parental leave policy and wellness funds make it easy to put yourself and loved ones first.

Learn & grow - A commitment to career development that includes regular training for team members and managers alike, 360 feedback, and an annual stipend for growth opportunities.

Company culture - Employee Resource Groups provide growth opportunities and allow you to create the company *you* want to work at (more on that below).

Health & wellness - Flexible healthcare options across medical, dental, and vision—and a free Employee Assistance program offering mental health resources and legal advice.

Save & support - Includes Earnin’s 401(K) and FSA plans with tax advantages for retirement, healthcare, and dependent care expenses.