Senior Credit Strategy Analyst

Earnest•San Francisco, CA

10h

About The Position

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 Senior Credit Strategy Analyst will report to Senior Credit Risk Manager, Personal Loans. As the Senior Credit Strategy Analyst, you will: Own end-to-end implementation of credit and fraud policies for all product lines within Earnest decisioning platform, including testing, deployment, and validation to ensure accuracy and alignment with policy intent Develop and optimize credit underwriting and fraud prevention strategies for personal loans, balancing growth, risk, and customer experience objectives Analyze portfolio performance, approval funnels, and fraud trends to identify opportunities for strategy enhancements and loss mitigation Design, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation frameworks Partner cross-functionally with Product, Data Science, Compliance, and Operations to ensure strategies are effectively deployed and monitored Build dashboards, reporting, and monitoring frameworks to track credit and fraud KPIs, including approval rates, losses, and fraud rates Support model and strategy governance through documentation, controls, and performance reviews

Requirements

3+ years of experience in risk management within consumer finance, banking, or lending
1+ years of experience implementing credit strategies within a loan decisioning platform (e.g., Alloy or similar systems)
Experience working with credit bureau data (e.g., Experian, TransUnion, Equifax) and alternative data sources
Strong knowledge of regulations, standards, and guidelines governing consumer lending
Proficiency in SQL and Python for data analysis and strategy development
Ability to independently analyze data, identify trends and anomalies, and translate insights into actionable recommendations
Experience working with decisioning platforms to implement and maintain credit and fraud strategies, including translating policy into production-ready rules and logic

Nice To Haves

1+ year of experience working with consumer fraud tools and monitoring fraud trends
Experience with BI and visualization tools such as Looker or Tableau
Familiarity with internal control requirements and risk governance frameworks
Experience validating data integrity and troubleshooting discrepancies across systems and pipelines
Experience executing small- to mid-sized cross-functional initiatives with limited oversight
Strong understanding of data structures and ability to quickly learn new databases and tools
Demonstrated focus on efficiency improvements, automation, and process optimization

Responsibilities

Own end-to-end implementation of credit and fraud policies for all product lines within Earnest decisioning platform, including testing, deployment, and validation to ensure accuracy and alignment with policy intent
Develop and optimize credit underwriting and fraud prevention strategies for personal loans, balancing growth, risk, and customer experience objectives
Analyze portfolio performance, approval funnels, and fraud trends to identify opportunities for strategy enhancements and loss mitigation
Design, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation frameworks
Partner cross-functionally with Product, Data Science, Compliance, and Operations to ensure strategies are effectively deployed and monitored
Build dashboards, reporting, and monitoring frameworks to track credit and fraud KPIs, including approval rates, losses, and fraud rates
Support model and strategy governance through documentation, controls, and performance reviews