Earnest · 7 hours ago
Senior Quantitative Risk Analyst
United States
Full-time
Remote
Mid, Senior Level
$126K/yr - $145K/yr
3+ years expEarnest is dedicated to making higher education accessible and affordable for everyone. The Senior Quantitative Risk Analyst will lead loss forecasting, analyze credit metrics, and prepare performance updates while collaborating with various departments to align risk insights with business strategies.
BankingConsumer LendingCreditFinancial ServicesFinTech
Responsibilities
Lead loss forecasting by leveraging data science models and applying business overlays to project portfolio performance
Monitor and analyze credit metrics across multiple loan products, identifying key risks, trends, and opportunities
Prepare and present portfolio forecasts and credit/fraud performance updates to executives, the Board, and rating agencies
Validate and challenge credit and fraud risk models to ensure methodological soundness, transparency, and regulatory compliance
Partner cross-functionally with Finance, Capital Markets, and Data Science to align risk insights with business strategy
Qualification
Required
3+ years in a data-driven role, ideally within credit or fraud risk
Strong proficiency in SQL for data extraction and Python for statistical modeling and analysis
Experience with loss forecasting, particularly in consumer lending products
Skilled in data visualization and BI tools (e.g., Looker, Tableau) as well as Excel and PowerPoint
Strong analytical thinker with excellent communication and presentation abilities
Detail-oriented, intellectually curious, and able to manage multiple priorities under tight deadlines
Preferred
Experience in student loans, personal loans, or credit cards
Familiarity with regulatory compliance in the lending industry
Prior exposure to risk model development or enhancement
Background in efficiency improvements and automation
Ability to independently research and implement innovative modeling approaches
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