Quantitative Risk Analyst II

  • full_time
  • Germany



Earnest’s mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt so they can get on the right financial track fast.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 scholars to help students pay less.
What 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!


As the Quantitative Risk Analyst II, you will report to the and:

  • Want to play a key role in shaping our future at Earnest? We’re looking for a Quantitative Risk Analyst II, who is excited to jump into the nuts and bolts of our loan portfolios. You’ll be involved in everything from production, maintenance, to development of models and processes to monitor risk.
  • You’ll be part of our essential Portfolio Risk team. Our main mission? To dive deep into the performance of our current and future loan portfolios, uncovering risks and generating insights. We’re about crafting smart strategies that minimize risk and boost returns.
  • Your role will be hands-on, analyzing our loan portfolio and getting materials ready for big meetings – whether that’s with executives, the Board of Directors, Rating Agencies, or financing due diligence.
  • If you’re passionate about mitigating risk, and want to be part of a team that makes a big impact, we can’t wait to hear from you. Let’s explore the possibilities together!

Experiences you will bring with you: 

  • Join our  team and bring your data experience into play! We’re searching for someone with a solid 3+ years in a data-focused role, preferably within credit risk, finance, or forecasting. 
  • We value attention to detail and accuracy, especially when handling vast amounts of data.
  • Are you adept at using SQL for data analysis? Do you have experience with statistical analysis in R or Python? Great, you’re the person we’re looking for! 
  • Your understanding of loss forecasting methods and, ideally, familiarity with consumer loan products will be of immense value.
  • Experience with Looker or a similar BI platform would be a bonus. 
  • We believe your unique skills can help shape our future. 
  • If you’re excited about making a difference with data, we can’t wait to hear from you. Let’s explore the power of data together!

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits that include: 

  • Health, Dental, & Vision benefits plus savings plans
  • Work anywhere in the U.S. 
  • 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, optional in person team gatherings, picnics, celebrations, and plenty of fun virtual events 

At 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 ensuring we are compensating our employees fairly and equitably. We are showcasing a range and actual starting pay may be based on several factors including but not limited to, market rate, the qualified pool of candidates, internal compensation, candidate location, and budgetary constraints. This number does not necessarily reflect your total compensation, but is a range for your base salary.
Pay Range
$95,300$119,125 USD


Comments are closed.