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EarnIn
EarnIn
201 – 500 Angajați
Sponsor pentru viza H1BConsultanțăFintechSaaS
EarnIn este o companie de tehnologie financiară axată pe sprijinirea oamenilor pentru a-și accesa și gestiona veniturile înainte de ziua de plată. Produsele sale includ Cash Out, pentru transferul unei părți din venitul câștigat într-un cont bancar asociat, Early Pay, pentru primirea salariilor înainte de termenul stabilit, și Balance Shield, care oferă alerte privind descoperirea de cont și transferuri automate opționale. EarnIn oferă, de asemenea, monitorizare gratuită a creditului cu scor VantageScore 3.0 prin Experian și Tip Yourself, o funcție concepută pentru a sprijini economisirea din fiecare salariu. Modelul companiei folosește bacșișuri opționale în locul comisioanelor obligatorii, iar serviciile bancare sunt furnizate împreună cu Evolve Bank & Trust, membră FDIC.
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Locurile de muncă ale companiei

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.

USStatele Unite ale Americii
173.928 $ – 245.773 $ / an
HibridNormă întreagăLiderLimbă Obligatorie: englezăRisc
PythonSQL

Descriere

  • 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

Cerințe

  • 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

Beneficii

  • Equity compensation
  • Employee benefits
  • Diverse and inclusive workplace culture
  • EarnIn participates in E-Verify

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