Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.

Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together.

The Sr Credit Risk Analyst, Student Loans will report to Senior Credit Risk Manager, Student Loans.

As the Sr Credit Risk Analyst, Student Loans you will:

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

About You:

3+ 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

Even Better:

Experience analyzing loan portfolios within consumer lending products
Familiarity with internal controls, data governance, and financial regulations
Experience with statistical modeling concepts or data modeling tools (e.g., dbt)
Experience with Python and BI tools like Tableau and looker.
Exposure to underwriting, servicing, or collections strategies in a lending environment

Where:

This role will be based in the US.

#LI-KB

A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

Pay Range

$126,000—$145,000 USD

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:

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

What Makes an Earnie:

At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:

Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience.
Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.
Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.
Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

Sr Credit Risk Analyst, Student Loans

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