Lead Quantitative Risk Analyst

Earnest’s mission is to make higher education accessible and affordable for everyone. We empower past, present, and soon-to-be students to maximize their financial futures through thoughtful guidance and impactful products.We build tools that help people feel in control of their financial future, including• 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 scholarships to help students pay less.The Lead Quant Risk Analyst will report to the Head of Risk.As the Lead Quant Risk Analyst, you will• Play a pivotal role in managing and optimizing our loss modeling and underwriting, ensuring frictionless risk optimization to support our strategic goals• Define roadmap and strategy around risk modeling foundation, structure, and backbone of the modeling systems.• Lead the quant risk team and collaborate closely with analytics, data science and cross-functional teams to unlock the full potential of our risk dataYour Impact• Set the technical direction for the team by proposing risk technologies, tools, and languages that can be used to solve business problems.• Implement and enforce data quality standards, data validation, and data governance processes to ensure data accuracy and reliability.• Support development of data transformations on SQL/DBT, advanced analytics and reporting solutions on Looker to provide actionable insights to various stakeholders.About You• 2-3 year’s experience working with Financial Systems and/or Financial Data• 4-6 years of experience in designing and building risk reporting using Snowflake (or other data warehouses) and Looker (or other visualization tools)• SQL Expert• Willingness to travel to the Oakland office monthly to collaborate with other Earnies.Even Better• Experience in Fintech• Python ExpertWhere• This role will be based in the San Francisco Bay Area.• While you’ll enjoy the flexibility of remote work, we also love to see our Earnies face-to-face! We ask you to join us at our Oakland office for 3 consecutive days a month for team collaboration and some fun. It's a chance to connect, share ideas, and maybe even grab some great coffee together!About UsWhat makes an “Earnie” culture• 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.Earnies are committed to helping students live their best lives, free from the stress of student debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together!Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including• 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• 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• Annual “my day”• Pet insurance!• Competitive parental leave• Plenty of Earnest swag, in person team gatherings, picnics, celebrations, and plenty of fun virtual eventsAt 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, sexual orientation, gender identity, veteran status disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.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. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, and budget. This range may be modified in the future.Pay Range$219,000—$248,000 USD