earnin · Remote, US
Skills: Python, SQL
About EarnIn As one of the first pioneers of earned wage access, our passion at EarnIn is building products that deliver real-time financial flexibility for those with the unique needs of living paycheck to paycheck. Our community members access their earnings as they earn them, with options to spend, save, and grow their money without mandatory fees, interest rates, or credit checks. We’re fortunate to have an incredibly experienced leadership team, combined with world-class funding partners like A16Z, Matrix Partners, DST, Ribbit Capital, and a very healthy core business with a tremendous runway. We’re growing fast and are excited to continue bringing world-class talent onboard to help shape the next chapter of our growth journey. Position Summary Our Risk team takes a unique approach to risk management, portfolio management, and interacting with our community members. As a Staff Risk Analyst, you'll turn information into insights through analytics, data science, and experimentation to help the company achieve tremendous growth. You'll represent risk analytics for credit risk management, with a focus on limit/max policy, member retention, and forecasting. The base salary range for this full-time position is $173,928 – $245,773 plus equity and benefits. Our salary ranges are determined by role, level, and location. This is a remote role in the US, however those local to Mountain View (headquarters) will require in-office work 2 days a week. What You'll Do Own policy optimization for member credit limits, balancing retention, churn, and risk exposure …truncated… amentals, 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 recommendati…
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