Earnest

Full-stack Engineer

• Drive the technical strategy and execution for 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

Analytics Engineer

• Transform raw data into well-structured datasets using dbt
• Collaborate with analysts, data scientists, and engineers to develop scalable data models that power experiments, ML models, and reporting
• Define and implement best practices for data modeling, quality, and governance
• Ensure data reliability and accuracy through robust validation and monitoring processes
• Develop advanced analytics solutions and dashboards in Looker to give stakeholders actionable insights

Senior Analytics Engineer

Sales

• Take a proactive approach via multiple channels (phone, emails, SMS, etc) in initiating contact with potential clients, employing engaging communication and tailored strategies to effectively address their needs and guide them through the decision-making process towards conversion.
• Work closely with clients to navigate any obstacles in the process, demonstrating problem-solving skills and a commitment to achieving conversion goals.
• Utilize CRM software and other tools to track customer interactions and manage leads effectively.
• Regularly review and assess personal performance against conversion targets, seeking feedback and employing self-directed strategies for continuous improvement in client engagement and conversion outcomes while achieving a high-quality standard of service.
• Assist in handling inbound calls related to Client Happiness Origination, demonstrating adaptability and a commitment to excellent service when needed.

Client Happiness Associate, Conversion & Sales

Product Manager

• Own conversion funnel strategy across all lending products, from top of funnel through funded loan.
• Drive loan originations by identifying and delivering funnel improvements that increase application starts, completions, and funding rates.
• Simplify and reimagine the borrower journey through automation, new data sources, personalization, and segmentation.
• Run funnel experiments that optimize borrower experience and uncover scalable levers for growth.
• Leverage LLMs and AI to create innovative, data-driven borrower experiences and streamlined workflows.
• Collaborate closely with engineering, design, analytics, marketing, operations, and credit to deliver results.
• Use both qualitative insights and quantitative data to uncover borrower needs, validate hypotheses, and measure impact.
• Define, track, and deliver against funnel KPIs (conversion rates, drop-off points, time to fund, NPS, etc.) and business outcomes (loan volume, unit economics).
• Ensure funnel initiatives meet compliance and regulatory requirements.
• Communicate strategy, progress, and learnings to stakeholders across the company.

Senior Product Manager – Lending Conversion

Marketing

• Provide senior leadership and stakeholders with campaign performance reports, including data-driven recommendations for future campaign optimization and strategic plans for growing the impact of lifecycle marketing through new channels and capabilities
• Own customer journey development, including strategy, creative briefing, audience segmentation, journey pathing, campaign execution, creative testing, analytics measurement, and campaign performance readouts
• Collaborate cross-functionally with Product, Data & Analytics, Client Happiness, Creative, and Legal teams to deliver high-impact lifecycle programs
• Lead Earnest initiatives to ensure flawless campaign execution, deliver revenue and engagement growth, and drive innovation across lifecycle marketing strategies
• Report to the Director of Performance Marketing and play a strategic role shaping customer journey and lifecycle campaigns to drive engagement, retention, and customer lifetime value

Senior Lifecycle Marketing Manager

Engineer

• Oversee the configuration and customization of contact center software to align with business requirements and assess, select and implement contact center tools and technologies
• Engage and collaborate closely with IT, Engineering, and vendor support teams to implement new tools, upgrade existing ones, and resolve technical challenges
• Identify opportunities for process automation to streamline contact center workflows, improve agent efficiency, and enable customer self-service (self-help portals, IVR)
• Implement process changes and automation to enhance agent productivity and customer experience
• Liaise with cross-functional stakeholders (customer support teams, IT, business units) to understand requirements and align contact center technology
• Oversee and optimize contact center technologies to ensure seamless operations and enhance overall customer support experience
• Lead and support technology migration projects to ensure smooth transitions to newer platforms
• Report to the Director, Customer Experience

Contact Center Engineer

Art Director

• Lead and execute standout design work on high-priority projects, rolling up your sleeves when needed
• Provide mentorship and constructive feedback to a growing team of designers and copywriters, fostering craft excellence and continuous improvement
• Drive the evolution of Earnest’s visual identity and design systems, ensuring consistency and rigor across every touchpoint
• Partner with cross-functional teams—including Product, Growth, and Marketing—to deliver creative solutions that align with business objectives and resonate with customers
• Oversee and direct agency and contractor work, ensuring creative excellence across all external partnerships
• Combine strategic thinking and deep business knowledge with creative excellence to develop visual systems and campaigns that resonate across all marketing touchpoints
• Lead the conception and execution of innovative design and copy solutions that drive measurable consumer engagement while ensuring the brand maintains its distinctive point of view

Associate Creative Director

Risk

• Lead loss forecasting by leveraging data science models and applying business overlays to project portfolio performance.
• Monitor and analyze credit metrics across multiple loan products, identifying key risks, trends, and opportunities.
• Prepare and present portfolio forecasts and credit/fraud performance updates to executives, the Board, and rating agencies.
• Validate and challenge credit and fraud risk models to ensure methodological soundness, transparency, and regulatory compliance.
• Partner cross-functionally with Finance, Capital Markets, and Data Science to align risk insights with business strategy.

Senior Quantitative Risk Analyst

Our 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 scholarships to help students pay less.
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!
The Lifecycle Marketing Manager position will report to the Director of Lifecycle Marketing.
As the Lifecycle Marketing Manager, you will:
- Provide senior leadership and stakeholders with campaign performance reports, including data-driven recommendations for future campaign optimization and strategic plans for growing the impact of lifecycle marketing.
- Own all aspects of campaign strategy development, creative briefing, audience segmentation, journey pathing, campaign execution, creative A/B testing, analytics measurement, and campaign performance readouts.
Your Impact:
- As the Lifecycle Marketing Manager, you will play a strategic role in owning the development and execution of lifecycle campaigns that drive conversion and acquisition of Earnest products and services.
- You will be responsible for building out some of Earnest's most important initiatives across our consumer finance products. This role focuses on ensuring flawless campaign execution, delivering revenue and engagement and being a driver of innovation and growth.
About You:
- 5+ years of experience in a business-to-consumer email marketing or lifecycle marketing role in a corporate or agency environment
- 3+ years of experience developing lifecycle/CRM engagement programs
- Experience in audience segmentation and targeting using database information and real-time event data
- Strong data analysis skills and knowledge of business intelligence systems such as Looker or Tableau
- Knowledge of regulatory and privacy requirements (CAN-SPAM, TCPA, CPPA)
Even Better:
- Experience with Braze preferred. Bonus points for having experience with ExactTarget, SendGrid, Twilio, HTML/HAML, or Github
Where:
- This role will be based in the United States
#LI-JP1
Pay Range: $127,000 — $164,000 USD