Senior Payroll Lead at Kyndryl — Bangalore, Hybrid
Kyndryl
Lead accurate, compliant payroll operations for Kyndryl’s global technology services business. Manage vendors, audits, pay policy interpretation, automation, and regulatory compliance.
Open
EarnIn is a financial technology company focused on helping people access and manage their pay before payday. Its products include Cash Out for transferring part of earned income to a linked bank account, Early Pay for receiving paychecks ahead of schedule, and Balance Shield, which provides overdraft alerts and optional automatic transfers. EarnIn also offers free VantageScore 3.0 credit monitoring through Experian and Tip Yourself, a feature designed to support saving from each paycheck. The company’s model uses optional tips in place of mandatory fees, with banking services provided in conjunction with Evolve Bank & Trust, Member FDIC.
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.
Description
- 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
Requirements
- 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
Benefits
- Equity compensation
- Employee benefits
- Diverse and inclusive workplace culture
- EarnIn participates in E-Verify
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