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

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

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

SQLPythondata analysiscredit underwritingfraud preventiondecision rulessegmentation strategiesdata-driven experimentationloss mitigationportfolio performance analysis

Soft Skills

analytical skillscross-functional collaborationindependent analysiscommunicationproblem-solvingstrategic thinkingattention to detailactionable recommendationsorganizational skillsperformance review