Earnest

Full-stack Engineer

• Drive the technical strategy and execution for our engineering teams.
• Lead the development of a scalable, high-performance lending ecosystem from customer onboarding to checkout.
• Architect and build customer-centric financial products, ensuring a frictionless and optimized user experience and orchestrating large-scale financial transactions.
• Define and execute the technical vision and best practices for a high-performing engineering team. Lead architectural decisions to enhance scalability, reliability, and efficiency of the lending platform.
• Collaborate with Product, UX, and Business teams to align technology with strategic goals. Design, build, and maintain customer-facing lending applications using Node.js, TypeScript, React/Redux, Angular, Sequelize, PostgreSQL, and Docker.
• Develop and optimize high-quality, testable code, implementing unit and integration tests with Mocha, Chai, Sinon, and Sequelize.
• Ensure performance, security, and scalability through best-in-class software engineering practices.
• Identify and resolve defects through debugging, profiling, logging, log analysis, tracing, and FullStory session replays.
• Oversee code deployment to Staging and Production environments.
• Partner with Quality Engineers to address issues found in testing and improve automated testing coverage.
• Lead and participate in Agile ceremonies. Break down product requirements into engineering deliverables in Jira.
• Review and provide critical feedback on Product Requirements Documents, Epics, and User Stories, influencing the technical and business roadmap.
• Recommend alternative technical solutions to optimize delivery speed, enhance customer experience, and reduce costs.
• Maintain technical documentation.
• Contribute to Earnest’s DevOps culture and participate in rotating on-call support for production applications.

Staff Software Engineer

Director

• 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 models.
• Collaborate with cross-functional teams to accurately deploy new strategies, and evaluate new data sources and models to improve the strategy risk separation.
• Lead the process for establishing target metrics and expectations, and constantly monitor and evaluate the strategies and portfolio performance.
• Identify gaps and issues, and solve business problems.
• Lead the team to conduct monitoring analyses and identify opportunities for continuous enhancement and optimization.
• Continuously improve existing processes and funnel conversions; and communicate results, insights, and recommendations to senior leadership and business partners.
• Lead, support, and develop team members.
• Serve as a key participant in risk team hiring.
• Mentor other analysts on risk analytics; and manage multiple projects with cross-functional stakeholders simultaneously set priorities, and meet deadlines.
• Work with cross-function teams to deliver successful business results.
• Deliver insights into product design and functionality to align product construction with Earnest’s risk tolerance.
• Work cross-functionally with the Product and Analytics squads to build experiments to drive risk-adjusted returns.
• Coordinate with the Capital Markets, Analytics, and FP&A teams to ensure that expected portfolio performance is accurately reflected.
• Develop diligence materials to support the execution of business transactions and provide analysis results to management and external ratings agencies.
• Telecommuting permitted up to five days per week, but must live in the Oakland, California area.

Director, Credit Risk

Analytics Engineer

• Build and improve data models that enable faster, more reliable decision-making across Product, Risk, and Analytics
• Reduce bottlenecks by delivering clean, scalable datasets analysts can trust and use independently
• Support both roadmap initiatives and ad hoc needs to keep business teams moving without delays
• Improve data quality and structure so new products and features can be analyzed and launched with confidence

Analytics Engineer II

Financial Planning and Analysis

• Own financial strategy and partner with senior leaders across Product, Marketing, Operations, Pricing, and Risk to drive business outcomes and performance
• Lead end-to-end financial modeling, forecasting, and scenario planning for high-impact initiatives
• Translate complex financial and operational data into clear, actionable insights for executive decision-making
• Build and refine driver-based models to evaluate ROI, pricing, profitability, and growth strategies
• Deliver executive-ready reporting, dashboards, and presentations to influence strategic direction
• Identify risks and opportunities, proactively guiding resource allocation and long-term planning

Senior Manager, Strategic Finance – Personal Loans

Engineering Manager

• Lead a team building the systems that power repayment, payments, and collections--directly impacting borrower experience and business performance.
• Own end-to-end delivery of high-impact initiatives, improving repayment rates, reducing delinquency, and driving operational efficiency.
• Evolve the servicing platform alongside senior engineers, simplifying architecture and scaling toward modular, reliable, and observable systems.
• Partner closely with Product, Risk, Operations, and Compliance to build smarter collections capabilities and high-quality self-service experiences.
• Ensure reliability of mission-critical systems, with a focus on uptime, data integrity, and incident readiness.
• Leverage AI to accelerate engineering and product velocity, while applying strong judgment in regulated environments.
• Mentor engineers and raise the technical bar, staying close to the code and unblocking teams when it matters most.

Staff Software Engineer

Director, Credit Risk

Analytics Engineer II

Senior Manager, Strategic Finance – Personal Loans

Engineering Manager – Servicing and Collections