Director, Credit Risk

Job description

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together. Earnest LLC – Oakland, CA: Duties: The Director, Credit Risk at Earnest LLC in Oakland, CA will lead the development, deployment, testing, monitoring, and optimization of the credit strategies of the lending products offered by Earnest LLC, including Personal Loan, or Student Loan Refinance, or Private Student Loans. Analyze the industry's lending products, our applications and portfolio to drive the best return for the product, and serve on the Credit Team, whose primary mission is to grow the lending revenue responsibly to maximize profit within the company’s risk appetite. Design data-based credit strategies for pre-screening, underwriting, risk tiering, loan amount assignment, and verifications to drive credit optimization. Partner with the Data Science team to design new machine learning risk mod...