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Senior Risk Analytics Manager at Earnest. Location Information: USA. The Senior Risk Analytics Manager will report to the Head of Credit Risk.. As the Senior Risk Analytics Manager, you will:. Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company’s risk appetite.. Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.. Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.. Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.. Independently validate models to ensure they are conceptually sound and perform as intended.. Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.. Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.. Present results with insights on trends and drivers.. Communicate forecast results, insights, and recommendations to leadership and business partners.. Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.. About You: . 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics. 5+ years of experience in SQL and/or Python programming for data analysis and model development. Strong business acumen in lending products and sophisticated risk data analysis. In-depth understanding of model risk governance frameworks. A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence. Excellent communication and presentation skills. Knowledge of applicable laws and regulations governing the lending industry. Experience in Business Intelligence / Reporting tools such as Looker or Tableau. Even Better:. Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models. Expertise in statistical models. Expertise in Excel and Google Slides. Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners. Ability to prioritize and multitask on various projects. Ability to methodically execute complex analytical processes accurately and efficiently. Intellectual curiosity, critical thinking, and problem-solving skills. Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals. Strong ownership and ability to collaborate well with business partners. Where:. This role will be based in the US.. #LI-KB1