Earnest · 5 hours ago
Senior Risk Analytics Manager
United States
Full-time
Remote
Senior Level
$180K/yr - $215K/yr
7+ years expEarnest is committed to making higher education accessible and affordable for everyone. The Senior Risk Analytics Manager will ensure credit policies are designed and implemented to manage risk while adhering to regulatory requirements and internal frameworks, and will partner with the Data Science team to develop loss forecasting models.
BankingConsumer LendingCreditFinancial ServicesFinTech
Responsibilities
Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company’s risk appetite
Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices
Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest
Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed
Independently validate models to ensure they are conceptually sound and perform as intended
Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations
Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels
Present results with insights on trends and drivers
Communicate forecast results, insights, and recommendations to leadership and business partners
Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies
Qualification
Required
7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
5+ years of experience in SQL and/or Python programming for data analysis and model development
Strong business acumen in lending products and sophisticated risk data analysis
In-depth understanding of model risk governance frameworks
A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
Excellent communication and presentation skills
Knowledge of applicable laws and regulations governing the lending industry
Experience in Business Intelligence / Reporting tools such as Looker or Tableau
Preferred
Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
Expertise in statistical models
Expertise in Excel and Google Slides
Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
Ability to prioritize and multitask on various projects
Ability to methodically execute complex analytical processes accurately and efficiently
Intellectual curiosity, critical thinking, and problem-solving skills
Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
Strong ownership and ability to collaborate well with business partners
Benefits
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
Company
Earnest
Earnest is a technology-lender that brings low-interest loans to high-potential people.
201-500 employees
H1B Sponsorship
Earnest has a track record of offering H1B sponsorships. Please note that this does not
guarantee sponsorship for this specific role. Below presents additional info for your
reference. (Data Powered by US Department of Labor)
Distribution of Different Job Fields Receiving Sponsorship
Represents job field similar to this job
Trends of Total Sponsorships
2025 (14)
2024 (11)
2023 (8)
2022 (15)
2021 (5)
2020 (10)
Funding
Current Stage
Growth StageTotal Funding
$316.3MKey Investors
Battery VenturesNew York Life InsuranceMaveron
2017-10-04Acquired
2017-03-31Series C· $20M
2015-11-17Series B· $75M
Leadership Team
Pamela Rice
Chief Technology Officer
Nick Norcross
Chief Product Officer
Recent News
2025-07-15
EdTech Breakthrough
2025-06-04
Company data provided by crunchbase