Senior Credit Strategy Analyst

The Senior Credit Strategy Analyst will report to Senior Credit Risk Manager, Personal Loans. 

As the Senior Credit Strategy Analyst, you will:

• 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

About You: 

• 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

Even Better:

• 1+ year of experience working with consumer fraud tools and monitoring fraud trends
• Experience with BI and visualization tools such as Looker or Tableau
• Familiarity with internal control requirements and risk governance frameworks
• Experience validating data integrity and troubleshooting discrepancies across systems and pipelines
• Experience executing small- to mid-sized cross-functional initiatives with limited oversight
• Strong understanding of data structures and ability to quickly learn new databases and tools
• Demonstrated focus on efficiency improvements, automation, and process optimization

Where:

• This role will be based in the US.

Compensation: 

A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

Salary Range: $124,000 - $155,000 USD. Employees are also eligible for an annual performance-based bonus and equity.

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