Senior Risk Analytics Manager

The Senior Risk Analytics Manager will report to the Head of Credit Risk.

As the Senior Risk Analytics Manager you will:

• Ensure credit policies are appropriately designed implemented and updated to manage risk in alignment with the company’s risk appetite.

• Ensure adherence to regulatory requirements internal risk management frameworks and corporate governance standards related to credit practices.

• Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.

• Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.

• Independently validate models to ensure they are conceptually sound and perform as intended.

• Maintain comprehensive model risk management policies procedures and standards in line with regulatory expectations.

• Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.

• Present results with insights on trends and drivers.

• Communicate forecast results insights and recommendations to leadership and business partners.

• Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management investors and external ratings agencies.

About You:

• 7+ years of experience in developing or validating risk or loss forecasting statistical models and credit analytics

• 5+ years of experience in SQL and/or Python programming for data analysis and model development

• Strong business acumen in lending products and sophisticated risk data analysis

• In-depth understanding of model risk governance frameworks

• A proven track record of delivering strong business results in a matrix environment through ownership innovation collaboration and influence

• Excellent communication and presentation skills

• Knowledge of applicable laws and regulations governing the lending industry

• Experience in Business Intelligence / Reporting tools such as Looker or Tableau

Even Better:

• Strong SQL and Python skills to pull data conduct data analysis and develop risk or loss forecast models

• Expertise in statistical models

• Expertise in Excel and Google Slides

• Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners

• Ability to prioritize and multitask on various projects

• Ability to methodically execute complex analytical processes accurately and efficiently

• Intellectual curiosity critical thinking and problem-solving skills

• Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals

• Strong ownership and ability to collaborate well with business partners

Where:

• This role will be based in the US.

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