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companyEarnest logo

Senior Credit Strategy Analyst

Earnest

Full-time|$124K/yr - $155K/yr|Remote|San Francisco, CA (Remote)

At Earnest, we empower determined individuals to make informed financial choices and create the future they desire.The Earnest team is dedicated to guiding borrowers towards a confident financial journey by providing smarter loan options and a clearer understanding of debt management. If you share our passion for this mission, we invite you to learn more and join us in building something exceptional.The Role of Senior Credit Strategy AnalystYou will report directly to the Senior Credit Risk Manager for Personal Loans. In this role, you will:Lead the comprehensive implementation of credit and fraud policies across all Earnest product lines, ensuring precise testing, deployment, and validation to align with policy objectives.Enhance and refine credit underwriting and fraud prevention strategies for personal loans, focusing on the balance between growth, risk, and customer experience.Evaluate portfolio performance and analyze approval funnels and fraud trends to uncover opportunities for strategy improvement and loss reduction.Create, test, and implement decision rules, segmentation strategies, and policy modifications using data-driven experimentation techniques.Collaborate cross-functionally with Product, Data Science, Compliance, and Operations to ensure the effective execution and monitoring of strategies.Develop dashboards, reporting systems, and monitoring frameworks to track essential credit and fraud KPIs, including approval rates, losses, and fraud rates.Support governance of models and strategies through documentation, controls, and performance assessments.

Apr 10, 2026
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companyHelloFresh logo

Senior Staff Engineer - Consumer Loyalty & Virality

HelloFresh

Full-time|CA$182K/yr - CA$215K/yr|On-site|Toronto, Ontario, Canada

Join Our Team! The Loyalty & Virality tribe is integral to HelloFresh's strategy for customer retention and organic growth. We develop innovative products and systems that engage customers, reward loyalty, and encourage them to share their HelloFresh experiences with others. Our team is responsible for loyalty and rewards programs, referral systems, viral growth mechanics, and personalized re-engagement experiences, functioning at a global scale across various brands and markets. We combine profound product insight with data-driven experimentation, leveraging AI to create smarter, more personalized customer experiences. If you're enthusiastic about building systems that transform satisfied customers into loyal advocates, this is the ideal team for you! Explore more about our initiatives by visiting our tech blog. Key Responsibilities: Act as a senior technical authority within the Loyalty & Virality tribe, establishing architectural direction, driving technical excellence, and mentoring fellow engineers. This influential individual contributor role significantly impacts the global scaling of our referral and virality systems. Define and oversee the technical strategy for our referral and virality platform, ensuring that our systems remain flexible, resilient, and scalable across all HelloFresh brands and markets. Take complete ownership of the architecture, design, development, deployment, and operations of the Share squad’s microservices. Promote the integration of AI and machine learning within the squads, identifying opportunities for enhancing personalization, predictive engagement, and intelligent reward optimization. Collaborate actively as a solution-oriented member of an autonomous, cross-functional agile team, working closely with Product Owners, Engineers, Designers, and Business Intelligence teams. Facilitate effective communication across the engineering organization, ensuring technical alignment among diverse stakeholders and colleagues. Perform additional duties as assigned. Qualifications: Extensive experience with microservice architecture and event-driven systems (e.g., Kafka, RabbitMQ), alongside distributed architecture principles. Strong proficiency in programming languages and frameworks pertinent to our tech stack. Demonstrated ability to mentor and lead technical discussions, fostering a culture of excellence and continuous improvement. Excellent communication skills, with the ability to articulate complex technical concepts to a non-technical audience. A passion for leveraging data and technology to enhance customer experiences.

Apr 10, 2026

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