Senior Credit Policy Analyst - Remote, US

• Private student loans - low rates, people-first service, and flexible payments.
• Student loan refinancing - break free from high interest rates or monthly payments.
• Scholarships - access to thousands of scholars to help students pay less.

• Drivers – Drivers are satisfied by making things happen, not coming along for the ride. They feel a strong sense of ownership for their projects and teams and demand high standards from themselves and others.
• Humility – Humble team players check their egos and consider the team’s needs above their own. They are self-aware of their strengths and opportunities for improvement.
• Growth Mindset – People with a growth mindset approach challenges and failures as learning opportunities. They seek feedback to improve, give feedback to others, and genuinely want to perform well.

The Credit Risk team at Earnest Financial is at the forefront of managing credit risk across our loan products. Our mission is to develop strategies that not only minimize risks but also maximize returns from our lending tactics. We foster a collaborative environment, working cross-functionally to influence technical features and procedural implementation of policies related to loan eligibility, decisioning, servicing, and collections.

As a Senior Credit Policy Analyst, you will play a pivotal role in driving our credit risk management efforts. Reporting to the Senior Manager Credit and Risk, you will:

• Collaborate in the development and implementation of comprehensive strategies for portfolio growth while maintaining risk balance.
• Establish and uphold credit risk policies and procedures, aligning them with our broader risk management framework.
• Identify and evaluate key factors influencing operational efficiencies, including vendor integration into the loan decisioning process.
• Contribute to the creation of credit decisioning workflows and rule sets within Earnest’s decisioning platform.
• Utilize analytics to monitor process performance and provide support for policy changes.
• Identify and address gaps in current operational processes and policies to enable profitable growth.

About you:

We're looking for individuals who share our passion for responsible lending and inclusive teamwork.

• 3+ years of experience in credit risk management within consumer finance, banking, or lending.
• 1+ year of experience with consumer fraud tooling and trends.
• Proficiency with Alloy or other loan decisioning platforms to implement credit strategies.
• Knowledge of regulations, standards, and guidelines governing consumer lending.
• Experience with SQL and preferably Looker for data analysis.
• Familiarity with internal control requirements.
• Ability to leverage data for trend identification, anomaly detection, and recommendations for new initiatives.

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits that include: 

• Health, Dental, & Vision benefits plus savings plans
• Work anywhere in the U.S. 
• Mac computers + work from home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• 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
• Annual “my day” 
• Pet insurance!
• Competitive parental leave
• Plenty of Earnest swag, optional in person team gatherings, picnics, celebrations, and plenty of fun virtual events 

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.  

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.