At Earnest, we believe in a world where paying for your education takes less time than earning your degree.  Join us on our mission to empower anyone seeking higher education to reduce the total price tag of their degree, supercharge their ability to pay down student debt, and get on the right financial track fast.

A little background on Earnest: We’re a remote first FinTech company with an accomplished team who believe consumer lending can be radically improved and are doing something about it. We are disrupting the trillion dollar student loan industry by redefining what it means to be creditworthy. We created a company that combines data science, streamlined design, and technology to:

  • Build products that simplify the lending process
  • Personalize loans to suit the needs of our customers
  • Engage with our customers through more human experiences

What makes an “Earnie” culture: 

Earnest’s culture is as dynamic as the products we’re building and defining every day. We’re a fast-growing company, and that means we’re constantly integrating the new perspectives of every individual.

Earnies define our culture as:

  • Earn Happy Customers
    • Our success comes from anticipating their needs and providing the solutions they’re looking for.
  • Better is Better
    • The path to great means getting better every day. We push ourselves, and each other, to remain curious and think differently. 
  •  PhD in Moving Fast
    • Our customers are tired of long wait times and large student loan bills so we constantly seek out ways to deliver faster.
  •  Passion for Challenges
    • Perseverance and optimism are just the start to take on the inertia of a national trillion-dollar problem.
  •  Impact is a Team Sport
    • We maximize our impact when we act as one team.

Our Earnies are fun, innovative, and willing to rollup their sleeves to help their team succeed in a fast-paced environment. If this sounds like you, and you want to join us on our mission to radically disrupt a trillion dollar fintech industry, keep reading to find out how.

As Lead Credit Strategy Analyst, you will work on the following:

  • Credit & Risk Strategy Analysis and Development – Lead research and analysis on new lending strategies across all consumer lending products and develop strategies for collections, recoveries, and fraud management to ensure that portfolio performance is within expectations.
  • Develop and Support Life of Loan Loss Models – Own, develop and improve a suite of life of loan loss models using regression, decision trees and/or simulations to calibrate expected losses based on product, macroeconomic conditions and portfolio mix.
  • Cross Functional Collaboration and Reporting – Deliver insights into product design and functionality to align product construction with Earnest’s risk tolerance and develop modeling and diligence materials to support the execution of complex business transactions and provide analysis results to management and external ratings agencies.

Ideal background and expertise: 

  • 5+ years of consumer lending, risk management, risk analytics, credit, risk, banking, finance, financial/risk modeling, pricing, or consulting experience
  • Strong analytical experience to pull data, conduct data analysis, and drive business results through data driven business proposals
  • Experience using SQL
  • Experience with risk quantification and metric reporting
  • Expertise in financial modeling and standards of practice
  • Ability to disseminate significant amounts of information with attention to details and accuracy
  • Knowledge of applicable laws and regulations governing the lending industry, including regulatory compliance experience
  • Knowledge and experience of segmentation, statistical modeling and tests are required

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits that include: 

  • Health, Dental, & Vision benefits plus savings plans
  • Work anywhere in the U.S.
  • Mac computers + work from home stipend to set up your home office
  • Monthly internet and phone reimbursement
  • Employee Stock Purchase Plan
  • 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
  • Annual “my day”
  • Pet insurance!
  • Competitive parental leave
  • Plenty of Earnest swag, optional in person team gatherings, picnics, celebrations, and plenty of fun virtual events
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