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Earnest

At Earnest, we empower you to take control of your career so you can empower students to take control of their finances.

Risk Analyst II, Student Loans

RiskRiskFull TimeRemoteTeam 201-500Since 2013H1B SponsorCompany SiteLinkedIn

Location

United States

Posted

41 days ago

Salary

$84.4K - $117.5K / year

Bachelor Degree2 yrs expEnglishSQL

Job Description

• Perform qualitative and quantitative analyses to inform credit strategies across loan approvals, pricing, servicing, and collections • Track and analyze loan portfolio performance to identify emerging risks, trends, and opportunities for optimization • Test and evaluate credit risk controls, identify gaps, and recommend improvements to strengthen risk mitigation • Monitor and report on key risk metrics and KPIs, including investigation of compliance and credit risk gaps • Partner cross-functionally with Product, Operations, Compliance, and Engineering to implement and validate credit policies and workflows

Job Requirements

  • 2+ years of experience in credit risk or a data-centric analytical role (e.g., financial modeling, consulting, pricing, or risk analytics)
  • Bachelor’s degree in a quantitative field such as Economics, Finance, Engineering, or a related discipline
  • Strong SQL skills and experience working with large datasets in an analytical environment
  • High attention to detail with the ability to synthesize and communicate complex analyses clearly
  • Demonstrated critical thinking, problem-solving skills, and comfort working on multiple projects under tight deadlines

Benefits

  • Health, Dental, & Vision benefits plus savings plans
  • Mac computers + work-from-home stipend to set up your home office
  • Monthly internet and phone reimbursement
  • Employee Stock Purchase Plan
  • Restricted Stock Units (RSUs)
  • 401(k) plan to help you save for retirement plus a company match
  • Robust tuition reimbursement program
  • $1,000 travel perk on each Earnie-versary to anywhere in the world
  • Competitive days of annual PTO
  • Competitive parental leave

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