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Sr Credit Risk Analyst - Student Loans at Earnest. Location Information: USA. The Sr Credit Risk Analyst, Student Loans will report to Senior Credit Risk Manager, Student Loans. . As the Sr Credit Risk Analyst, Student Loans you will:. Perform qualitative and quantitative analyses to inform credit strategies across loan approvals, pricing, servicing, and collections. Track and analyze loan portfolio performance to identify emerging risks, trends, and opportunities for optimization. Test and evaluate credit risk controls, identify gaps, and recommend improvements to strengthen risk mitigation. Monitor and report on key risk metrics and KPIs, including investigation of compliance and credit risk gaps. Partner cross-functionally with Product, Operations, Compliance, and Engineering to implement and validate credit policies and workflows. About You: . 3+ years of experience in credit risk or a data-centric analytical role (e.g., financial modeling, consulting, pricing, or risk analytics). Bachelor’s degree in a quantitative field such as Economics, Finance, Engineering, or a related discipline. Strong SQL skills and experience working with large datasets in an analytical environment. High attention to detail with the ability to synthesize and communicate complex analyses clearly. Demonstrated critical thinking, problem-solving skills, and comfort working on multiple projects under tight deadlines. Even Better:. Experience analyzing loan portfolios within consumer lending products. Familiarity with internal controls, data governance, and financial regulations. Experience with statistical modeling concepts or data modeling tools (e.g., dbt). Experience with Python and BI tools like Tableau and looker.. Exposure to underwriting, servicing, or collections strategies in a lending environment. Where:. This role will be based in the US.. #LI-KB