EarnIn एक वित्तीय प्रौद्योगिकी कंपनी है, जिसका उद्देश्य लोगों को वेतन मिलने के दिन से पहले अपनी कमाई तक पहुँचने और उसका प्रबंधन करने में मदद करना है। इसके उत्पादों में Cash Out शामिल है, जिसके माध्यम से अर्जित आय का एक हिस्सा लिंक किए गए बैंक खाते में स्थानांतरित किया जा सकता है; Early Pay, जिससे वेतन निर्धारित समय से पहले प्राप्त किया जा सकता है; और Balance Shield, जो ओवरड्राफ्ट अलर्ट तथा वैकल्पिक स्वचालित ट्रांसफ़र उपलब्ध कराता है। EarnIn, Experian के माध्यम से निःशुल्क VantageScore 3.0 क्रेडिट मॉनिटरिंग और Tip Yourself भी प्रदान करता है, जो प्रत्येक वेतन से बचत करने में सहायता के लिए बनाया गया एक फीचर है। कंपनी का मॉडल अनिवार्य शुल्कों के बजाय वैकल्पिक टिप्स पर आधारित है, जबकि बैंकिंग सेवाएँ Evolve Bank & Trust, Member FDIC, के सहयोग से प्रदान की जाती हैं।
Staff Risk Analyst at EarnIn (Hybrid, United States)
Lead credit risk strategy for EarnIn’s earned wage access platform by optimizing credit limits, evaluating experiments, forecasting portfolio performance, and monitoring models. Collaborate across analytics, product, engineering, operations, and machine learning to improve customer outcomes while managing risk.
विवरण
- Optimize member credit-limit policies by balancing retention, churn, and risk exposure
- Design, execute, and assess policy experiments and A/B tests, turning findings into practical policy updates
- Manage forecasting and reporting systems that give stakeholders visibility into risk and portfolio performance
- Analyze data proactively to strengthen risk-management strategies and identify emerging trends
- Establish performance metrics and create dashboards and reports for policy and portfolio monitoring
- Collaborate with Machine Learning, Product, Engineering, and Operations to move analysis into released policy and product improvements
- Contribute throughout the model-development lifecycle with the Machine Learning team, influencing how risk models are designed
- Track deployed models for performance and stability, identifying drift or degradation that may require retraining or redesign
- Work with Product to understand customer feedback and pain points, incorporating customer experience into risk-policy decisions alongside business and risk goals
आवश्यकताएँ
- At least seven years of experience in credit risk analytics, decision science, or risk strategy, preferably in fintech or consumer finance
- Advanced SQL expertise and practical Python skills for analysis and experimentation
- Working knowledge of fintech risk principles, including risk strategy, credit-limit or maximum-limit policies, and portfolio monitoring
- Experience designing and evaluating A/B tests or policy experiments and converting results into recommendations
- Experience with forecasting or curve-based models, such as cash-flow, loss, or usage forecasts
- Strong communication skills with the ability to turn analytical findings into clear business actions
- Ability to collaborate effectively with Machine Learning, Product, Engineering, and Operations
- Creative, adaptable problem solver who can work effectively in a fast-moving and ambiguous environment
लाभ
- Equity compensation
- Employee benefits
- Diverse and inclusive workplace culture
- EarnIn participates in E-Verify