Earnest · 1 day ago
Risk Analyst II, Student Loans
United States
Full-time
Remote
Entry, Mid Level
$84K/yr - $118K/yr
2+ years expEarnest is committed to making higher education accessible and affordable for everyone. The Risk Analyst II will perform qualitative and quantitative analyses to inform credit strategies and track loan portfolio performance to identify risks and opportunities for optimization.
BankingConsumer LendingCreditFinancial ServicesFinTech
Responsibilities
Perform qualitative and quantitative analyses to inform credit strategies across loan approvals, pricing, servicing, and collections
Track and analyze loan portfolio performance to identify emerging risks, trends, and opportunities for optimization
Test and evaluate credit risk controls, identify gaps, and recommend improvements to strengthen risk mitigation
Monitor and report on key risk metrics and KPIs, including investigation of compliance and credit risk gaps
Partner cross-functionally with Product, Operations, Compliance, and Engineering to implement and validate credit policies and workflows
Qualification
Required
2+ years of experience in credit risk or a data-centric analytical role (e.g., financial modeling, consulting, pricing, or risk analytics)
Bachelor's degree in a quantitative field such as Economics, Finance, Engineering, or a related discipline
Strong SQL skills and experience working with large datasets in an analytical environment
High attention to detail with the ability to synthesize and communicate complex analyses clearly
Demonstrated critical thinking, problem-solving skills, and comfort working on multiple projects under tight deadlines
Preferred
Experience analyzing loan portfolios within consumer lending products
Familiarity with internal controls, data governance, and financial regulations
Experience with statistical modeling concepts or data modeling tools (e.g., dbt)
Experience with Python and BI tools like Tableau and looker
Exposure to underwriting, servicing, or collections strategies in a lending environment
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