Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. We are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt.
Requirements
- Design, develop, and optimize fraud strategies across personal loans and student loan refinance products
- Monitor portfolio performance to identify emerging fraud trends, risks, and optimization opportunities
- Develop and deploy fraud rules and strategies using segmentation, statistical analysis, and predictive modeling techniques
- Own end-to-end fraud mitigation processes, with accountability for fraud loss reduction and performance outcomes
- Design and execute A/B tests and champion/challenger frameworks to evaluate strategy effectiveness
- Build and maintain scalable analytical frameworks using tools such as Snowflake and dbt
- Develop dashboards and reporting (e.g., Looker) to monitor KPIs such as fraud rate, approval rate, and false positives
- Generate actionable insights from structured and unstructured datasets, including limited or noisy data environments
- Partner with cross-functional teams (Product, Engineering, Risk, Operations) and external vendors to implement fraud solutions
- Leverage internal and third-party data to enhance fraud detection capabilities
- Continuously evaluate and refine strategies based on performance metrics and evolving fraud patterns
- Communicate insights, strategy performance, and model behavior clearly to stakeholders and senior leadership
- Support model development lifecycle, including design, validation, and production deployment
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
