Earnest

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

Senior Data Engineer

Risk

• Perform qualitative and quantitative analyses to inform credit strategies across loan approvals, pricing, servicing, and collections
• Track and analyze loan portfolio performance to identify emerging risks, trends, and opportunities for optimization
• Test and evaluate credit risk controls, identify gaps, and recommend improvements to strengthen risk mitigation
• Monitor and report on key risk metrics and KPIs, including investigation of compliance and credit risk gaps
• Partner cross-functionally with Product, Operations, Compliance, and Engineering to implement and validate credit policies and workflows

Risk Analyst II, Student Loans

Executive Assistant

• Serve as the primary strategic and administrative partner to the CEO, managing a complex and dynamic calendar across internal and external stakeholders
• Proactively prioritize, coordinate, and protect the CEO’s time, ensuring alignment with company priorities and key decision points
• Own meeting preparation and follow-through, including agenda development, briefing materials, note-taking, and action-item tracking
• Act as a gatekeeper and liaison for the CEO - handling inbound requests with discretion, judgment, and professionalism
• Coordinate domestic and international travel, itineraries, and logistics
• Support preparation for board meetings, executive leadership meetings, and external presentations
• Manage sensitive and confidential information with the highest degree of integrity and trust
• Partner closely with the Chief of Staff, Executive Team, and key cross-functional leaders to ensure smooth execution of CEO priorities

• Provide administrative support to the Chief People Officer and Chief Marketing Officer
• Manage high-volume calendars across multiple time zones, balancing shifting priorities and business-critical moments
• Assist in coordinating leadership meetings, planning sessions, offsites, and cross-functional forums, including agenda preparation and follow-up
• Act as a trusted liaison between the executives and stakeholders across the company, handling inbound requests with discretion and sound judgment
• Coordinate domestic travel, itineraries, and expense reporting
• Manage sensitive and confidential information related to personnel, organizational strategy, and company communications

Executive Assistant – C-Suite

• 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

Compliance

• Manage Earnest’s end-to-end complaints program within the First Line of Defense, ensuring timely, accurate, and compliant resolution.
• Partner with cross-functional teams to investigate complaints, identify root causes, and drive remediation.
• Monitor complaint trends and escalate regulatory, UDAAP, or systemic risks.
• Draft and review complaint responses and maintain complaint governance, reporting, and procedures.
• Support audits, regulatory inquiries, and 1LOD testing and monitoring activities.

Senior Compliance Analyst

Data Scientist

• Conduct experimentation and execute causal inference analyses on pricing, marketing, and conversion models to drive revenue optimization.
• Develop Pricing Optimization algorithms to maximize the unit economics of our lending products while driving meaningful growth in our origination businesses.
• Develop and maintain predictive ML models to assess potential risks and opportunities across our lending products, contributing to the enhancement of risk and marketing assessment procedures.
• Conceptualize, research, and prototype data-driven solutions, effectively communicating their impact to the stakeholders.
• Collaborate closely with cross-functional teams and stakeholders to accelerate solution iteration and achieve measurable outcomes.
• Build funnel dashboards and perform root cause analysis to monitor and identify user behavioral patterns and areas of opportunity.
• Collaborate with data and infrastructure engineers to deploy ML and Pricing pipelines, from data collection through model deployment. This includes automating training and ongoing monitoring utilizing BI tools.
• Prepare technical designs and documentation using git and Confluence.