Earnest

Senior Quantitative Risk Analyst

Earnest

full-time

Posted on:

Location Type: Remote

Location: CaliforniaUnited States

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Salary

💰 $126,000 - $145,000 per year

Job Level

About the role

  • Lead loss forecasting by leveraging data science models and applying business overlays to project portfolio performance.
  • Monitor and analyze credit metrics across multiple loan products, identifying key risks, trends, and opportunities.
  • Prepare and present portfolio forecasts and credit/fraud performance updates to executives, the Board, and rating agencies.
  • Validate and challenge credit and fraud risk models to ensure methodological soundness, transparency, and regulatory compliance.
  • Partner cross-functionally with Finance, Capital Markets, and Data Science to align risk insights with business strategy.

Requirements

  • 3+ years in a data-driven role, ideally within credit or fraud risk.
  • Strong proficiency in SQL for data extraction and Python for statistical modeling and analysis.
  • Experience with loss forecasting, particularly in consumer lending products.
  • Skilled in data visualization and BI tools (e.g., Looker, Tableau) as well as Excel and PowerPoint.
  • Strong analytical thinker with excellent communication and presentation abilities.
  • Detail-oriented, intellectually curious, and able to manage multiple priorities 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
Applicant Tracking System Keywords

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

Hard Skills & Tools
SQLPythonstatistical modelingdata visualizationloss forecastingcredit riskfraud riskdata analysisExcelPowerPoint
Soft Skills
analytical thinkingcommunicationpresentationdetail-orientedintellectually curioustime managementprioritization