Full-Time

Senior Fraud Strategy Analyst

Earnest

Earnest

201-500 employees

Fintech lender offering low-interest student loans

Compensation Overview

$134k - $165k/yr

+ Bonus + Equity

Remote in USA

Remote

Category
Business & Strategy (1)
Required Skills
SQL
Data Analysis

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Requirements
  • 4+ years in fraud, risk, or analytics in fintech, lending, or financial services
  • Strong SQL skills and comfort working hands-on with data
  • Familiarity with fraud types (synthetic ID, ATO, first-party fraud)
  • Experience with fraud strategy, monitoring, or detection (not just operations)
  • Ability to connect analysis to business outcomes (loss, conversion, approvals)
  • Comfortable operating in ambiguous, fast-moving environments
  • Clear communicator with a strong sense of ownership and initiative
Responsibilities
  • Reduce fraud loss while supporting growth by building and optimizing fraud rules and strategies
  • Own fraud monitoring and analysis, identifying risks across channels, segments, and customer cohorts
  • Turn data into action by investigating trends, surfacing insights, and driving decisions
  • Scale fraud operations by creating repeatable frameworks and improving coverage as volume grows
  • Design and evaluate experiments to balance fraud risk, approval rates, and customer experience
  • Partner cross-functionally to implement fraud controls across product, risk, and engineering
  • Support new products and channels by ensuring fraud risk is managed from day one
Desired Qualifications
  • Experience in unsecured lending (personal loans, fintech)
  • Experience with experimentation or modeling (Python/R)
  • Background in 0→1 or scaling teams

Earnest provides low-interest loans in the United States, specializing in student loan refinancing, private student loans, and personal loans. The platform uses data analysis and underwriting software to tailor rates to each borrower's financial profile. Loans come with flexible repayment plans and terms, and the company earns revenue from the interest on issued loans. Earnest distinguishes itself through data-driven underwriting that customizes pricing for individual borrowers and by offering adaptable repayment options, appealing to financially responsible customers. Its goal is to stay competitive by adjusting rates to market conditions while helping people manage education and personal debt.

Company Size

201-500

Company Stage

Acquired

Total Funding

$482M

Headquarters

San Francisco, California

Founded

2013

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Simplify Jobs

Simplify's Take

What believers are saying

  • July 1 graduate federal borrowing caps push more students toward private refinancing.
  • Federal Grad PLUS rates near 9% strengthen Earnest's savings pitch.
  • Job-offer-based refinancing captures borrowers before graduation and accelerates conversion.

What critics are saying

  • SoFi and Laurel Road undercut pricing and brand recognition on refinance.
  • Strict eligibility requirements exclude many applicants and hand them to competitors.
  • Navient ownership keeps reputational baggage alive among borrowers and regulators.

What makes Earnest unique

  • Earnest underwrites with thousands of data points beyond credit scores.
  • Its refinance product offers 180 repayment-term combinations and annual payment skips.
  • Pre-graduation refinancing preserves a nine-month grace period for eligible graduate borrowers.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Home Office Stipend

Phone/Internet Stipend

Tuition Reimbursement

Paid Vacation

Parental Leave

Company Equity