[Remote] Risk Analyst II, Student Loans

Note: The job is a remote job and is open to candidates in USA. Earnest is committed to making higher education accessible and affordable for everyone. The Risk Analyst II will perform qualitative and quantitative analyses to inform credit strategies and track loan portfolio performance to identify risks and opportunities for optimization. Responsibilities • 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 Skills • 2+ 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 • 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 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 Company Overview • Earnest is a technology-lender that brings low-interest loans to high-potential people. It was founded in 2013, and is headquartered in San Francisco, California, USA, with a workforce of 201-500 employees. Its website is https://www.earnest.com. Company H1B Sponsorship • Earnest has a track record of offering H1B sponsorships, with 14 in 2025, 11 in 2024, 8 in 2023, 15 in 2022, 5 in 2021, 10 in 2020. Please note that this does not guarantee sponsorship for this specific role. Apply tot his job Apply To this Job