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Salary: USD 173,928 - 245,773 / annual
EarnIn is a fintech pioneer in earned wage access, enabling community members to access their earnings in real-time without mandatory fees, interest rates, or credit checks. The company is backed by top-tier investors including A16Z, Matrix Partners, DST, and Ribbit Capital, and operates with a healthy core business and strong runway.
As a Staff Risk Analyst, you will drive risk analytics and strategy across credit risk management, portfolio performance, and member retention. You'll own the full lifecycle of risk policy optimization—from designing and running A/B tests to translating experimental results into shipped policy changes. Your work will directly impact how the company balances member retention, churn reduction, and risk exposure through intelligent limit and max policies.
Key responsibilities include:
- Owning policy optimization for member credit limits, balancing retention, churn, and risk exposure
- Designing, running, and evaluating policy experiments and A/B tests, then translating results into concrete policy changes
- Building and maintaining forecasting and reporting infrastructure that keeps risk and portfolio performance visible to stakeholders
- Proactively exploring data to identify opportunities to refine risk management strategies and surface emerging risk trends
- Defining performance metrics and building reports/dashboards to monitor policy and portfolio performance
- Partnering closely with Machine Learning, Product, Engineering, and Operations to translate analysis into shipped policy and product changes
- Working throughout the ML model development lifecycle as a primary consumer of model outputs, helping shape how risk models are built
- Monitoring deployed models in production, tracking performance and stability, and flagging drift or degradation
- Partnering with Product to understand customer pain points and design risk policy with customer experience in mind alongside risk and business outcomes
Requirements:
- 7+ years of experience in credit risk analytics, decision science, or risk strategy role, ideally within fintech or consumer financial products
- Expert-level SQL proficiency; comfortable with Python for analysis and experimentation
- Working knowledge of fintech risk fundamentals, including risk strategy development, limit/max policy, and portfolio monitoring
- Experience designing and evaluating A/B tests or policy experiments, and translating results into recommendations
- Comfortable working with forecasting or curve-based modeling (e.g., cash flow, loss, or usage forecasts)
- Strong communicator who can translate analytical findings into clear, actionable business recommendations
- Ability to work cross-functionally with Machine Learning, Product, Engineering, and Operations
- Ability to think creatively and thrive in a fast-paced, dynamic, and often ambiguous environment
