Earnest

Analyst

• Design, develop, and optimize fraud strategies across personal loans and student loan refinance products
• Monitor portfolio performance to identify emerging fraud trends, risks, and optimization opportunities
• Develop and deploy fraud rules and strategies using segmentation, statistical analysis, and predictive modeling techniques
• Own end-to-end fraud mitigation processes, with accountability for fraud loss reduction and performance outcomes
• Design and execute A/B tests and champion/challenger frameworks to evaluate strategy effectiveness
• Build and maintain scalable analytical frameworks using tools such as Snowflake and dbt
• Develop dashboards and reporting (e.g., Looker) to monitor KPIs such as fraud rate, approval rate, and false positives
• Generate actionable insights from structured and unstructured datasets, including limited or noisy data environments
• Partner with cross-functional teams (Product, Engineering, Risk, Operations) and external vendors to implement fraud solutions
• Leverage internal and third-party data to enhance fraud detection capabilities
• Continuously evaluate and refine strategies based on performance metrics and evolving fraud patterns
• Communicate insights, strategy performance, and model behavior clearly to stakeholders and senior leadership
• Support model development lifecycle, including design, validation, and production deployment

Senior Fraud Strategy Analyst

Collections

• Build and lead our collections strategy across personal loans and student loan refinance, with an initial focus on standing up the personal loan program.
• Design customer-first recovery strategies that improve performance across the full delinquency lifecycle, including pre-default.
• Select and manage third-party vendors, driving clear performance expectations and accountability.
• Use data, testing, and cross-functional partnership to build a compliant, scalable collections operation.
• Shape the long-term model for collections, including where to leverage vendors versus build in-house capabilities.

Director of Collections Strategies

Marketing Analyst

• Partner closely with Marketing and Partnerships to guide budget allocation and campaign strategy through proactive, data-driven insights.
• Lead performance analytics across lifecycle, direct mail, and paid channels, helping the team identify what’s working, why, and where we can improve.
• Build clear, actionable dashboards and KPIs that connect marketing efforts to conversion, growth, and efficiency outcomes.
• Own and continuously improve our marketing analytics and campaign tooling, including platforms like Braze.
• Manage and support a team of Marketing Analysts while driving automation, scalable reporting, and strong cross-functional relationships.

Lead Marketing Analyst

Risk

• Own and evolve Earnest’s Model Risk Management framework, ensuring our credit, loss forecasting, fraud, marketing, and finance models are rigorous, transparent, and built to scale responsibly.
• Lead independent end-to-end model validations — from conceptual soundness and data quality to performance monitoring and implementation review — delivering thoughtful, constructive challenge to modeling teams.
• Partner closely with Data Science and Risk leaders early in the model design process to strengthen assumptions, improve methodology, and elevate modeling standards across the company.
• Oversee model performance monitoring and proactively identify emerging risks, performance drift, or control gaps — ensuring timely, practical remediation.
• Deliver clear, decision-ready validation reports and communicate technical findings in a way that drives strong business outcomes and sound risk decisions.
• Serve as a trusted advisor on model governance, helping Earnest move fast while maintaining the discipline and controls required of a best-in-class lending platform.

Senior Model Risk Manager

• Define and own the end-to-end servicing and collections product strategy across all Earnest lending products, with clear cross-product accountability for performance and customer outcomes.
• Lead the borrower experience across web and mobile, driving measurable improvements in repayment, delinquency (DQ), self-service adoption, retention, and customer lifetime value (LTV).
• Be directly accountable for repayment performance, DQ rates, operating cost efficiency (cost-to-serve), and long-term LTV, building scalable, digital-first servicing models that improve trust while reducing expense.
• Partner deeply with Risk, Legal, Compliance, and Finance — alongside Engineering, Design, Operations, and Analytics — to deliver compliant, empathetic, and financially sound servicing and collections journeys.
• Define, own, and report on core servicing KPIs, clearly communicating strategy, tradeoffs, progress, and results to stakeholders and executive leadership.

Senior Product Manager, Servicing & Collections

Cloud Engineer

• Own and improve AWS infrastructure components supporting high-availability production systems, contributing to reliability, performance, and security standards.
• Strengthen reliability and observability by improving SLOs, monitoring, alerting, automation, and reducing MTTR through durable post-incident fixes.
• Build and enhance infrastructure-as-code and CI/CD systems (Terraform, Ansible, modern tooling) to improve scalability, deployment safety, and developer experience.
• Drive operational excellence through automation, cost optimization (FinOps awareness), strong documentation, and active participation in a blameless on-call culture

Cloud Engineer II

Data 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