At Earnest, we believe in a world where paying for your education takes less time than earning your degree.  Join us on our mission to empower anyone seeking higher education to reduce the total price tag of their degree, supercharge their ability to pay down student debt, and get on the right financial track fast.

A little background on Earnest: We're a remote first FinTech company with an accomplished team who believe consumer lending can be radically improved and are doing something about it. We are disrupting the trillion dollar student loan industry by redefining what it means to be creditworthy. We created a company that combines data science, streamlined design, and technology to:

• Build products that simplify the lending process
• Personalize loans to suit the needs of our customers
• Engage with our customers through more human experiences

What makes an “Earnie” culture: 

Earnest’s culture is as dynamic as the products we’re building and defining every day. We’re a fast-growing company, and that means we’re constantly integrating the new perspectives of every individual.

Earnies define our culture as:

• Earn Happy Customers
• Our success comes from anticipating their needs and providing the solutions they’re looking for.
• Better is Better
• The path to great means getting better every day. We push ourselves, and each other, to remain curious and think differently. 
•  PhD in Moving Fast
• Our customers are tired of long wait times and large student loan bills so we constantly seek out ways to deliver faster.  
•  Passion for Challenges
• Perseverance and optimism are just the start to take on the inertia of a national trillion-dollar problem. 
•  Impact is a Team Sport
• We maximize our impact when we act as one team.

Our Earnies are fun, innovative, and willing to rollup their sleeves to help their team succeed in a fast-paced environment. If this sounds like you, and you want to join us on our mission to radically disrupt a trillion dollar fintech industry, keep reading to find out how. 

The Credit Risk team at Earnest Financial is at the forefront of managing credit risk across our loan products. Our mission is to develop strategies that not only minimize risks but also maximize returns from our lending tactics. We foster a collaborative environment, working cross-functionally to influence technical features and procedural implementation of policies related to loan eligibility, decisioning, servicing, and collections.

Your Role:

As a Senior Credit Policy Analyst, you will play a pivotal role in driving our credit risk management efforts. Reporting to the Senior Manager Credit and Risk, you will:

• Collaborate in the development and implementation of comprehensive strategies for portfolio growth while maintaining risk balance.
• Establish and uphold credit risk policies and procedures, aligning them with our broader risk management framework.
• Identify and evaluate key factors influencing operational efficiencies, including vendor integration into the loan decisioning process.
• Contribute to the creation of credit decisioning workflows and rule sets within Earnest’s decisioning platform.
• Utilize analytics to monitor process performance and provide support for policy changes.
• Identify and address gaps in current operational processes and policies to enable profitable growth.

What You Bring:

We're looking for individuals who share our passion for responsible lending and inclusive teamwork. Your qualifications include:

• 3+ years of experience in credit risk management within consumer finance, banking, or lending.
• 1+ year of experience with consumer fraud tooling and trends.
• Proficiency with Alloy or other loan decisioning platforms to implement credit strategies.
• Knowledge of regulations, standards, and guidelines governing consumer lending.
• Experience with SQL and preferably Looker for data analysis.
• Familiarity with internal control requirements.
• Ability to leverage data for trend identification, anomaly detection, and recommendations for new initiatives.

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

• Health, Dental, & Vision benefits plus savings plans
• Work anywhere in the U.S. 
• Mac computers + work from home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• 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
• Annual “my day” 
• Pet insurance!
• Competitive parental leave
• Plenty of Earnest swag, optional in person team gatherings, picnics, celebrations, and plenty of fun virtual events 

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, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

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