Earnest

• Lead data-driven experimentation to improve the client loan application experience • Perform hands-on, in-depth analysis and presentations to assist in identifying product opportunities and product roadmap decisions • Develop and maintain product analytics tracking across web and mobile platforms • Partner with Product, Research, and Design to define customer personas and roadmap priorities • Collaborate with Analytics Engineering to validate analytics solutions and drive model development • Identify opportunities for new product analytics initiatives, improved reporting processes, or enhanced testing strategies

• Partner directly with Marketing leadership to architect budget allocation, channel mix, and long-term strategy • Own the end-to-end performance analytics across all channels • Serve as the definitive subject matter expert for measurement • Build and champion a high-trust marketing analytics ecosystem • Drive the evolution of the marketing data foundation • Act as a strategic thought partner and visible leader • Elevate the marketing team’s analytical capabilities

• The Data Scientist at Earnest LLC in Oakland, CA will guide product recommendations and model development, and communicate analyses and insights to the Data team and broader organization. • Develop and maintain predictive machine learning (ML) models to assess potential risks and opportunities across Earnest’s lending products, contributing to the enhancement of risk and marketing assessment procedures. • Participate in the end-to-end ML pipeline, spanning from data collection to model deployment. This includes collaborating with data and infrastructure engineers to automate training and monitoring using BI tools and writing ETL pipelines to source data for model training from various sources such as Earnest or Navient data warehouses, production databases, third-party providers, and publicly available datasets. • Conduct experimentation and execute causal inference analyses on pricing, marketing, and product models to optimize product conversion rates. • Write code for inferential models that guide product and underwriting decisions, and document modeling decisions through Confluence or GitHub Readme files. • Collaborate closely with cross-functional teams and stakeholders to accelerate solution iteration and achieve measurable outcomes. • Articulate model impacts and analytical insights through presentations and reports, draft recommendations to optimize product and underwriting policies, and provide guidance and mentorship on modeling best practices to peers on the team.

• Act as a professional brand ambassador by promptly responding to client inquiries via chat, email, SMS, or phone. Provide accurate information, resolve concerns, and offer repayment guidance with empathy and clarity. • Identify, proactively promote, and cross-sell company products to eligible customers during servicing calls, contributing to overall business growth targets. • Assist clients with payment arrangements and commitments. Encourage on-time payments, explain available relief options, and guide customers through necessary documentation and follow-ups. • Collaborate with internal teams to address client needs. Educate customers on loan processes, repayment options, and company products, and promote additional offerings during service interactions when appropriate. • Maintain clear and professional records in client systems. Conduct research using internal/external tools and coordinate with other departments to ensure timely and effective resolution.

• Own Lifecycle Strategy & Execution: Set the roadmap and execute hands-on campaigns across a meaningful portion of the customer journey • Drive Data-Backed Targeting & Creative: Establish a sharp POV on audience segmentation using behavioral and real-time data • Lead the Testing Agenda: Independently design, size, and analyze rigorous A/B and multivariate tests • Scale Cross-Product Growth: Build and scale strategic programs that move customers across the product portfolio • Partner & Influence Cross-Functionally: Lead across the organization by partnering seamlessly with Data Science, Product, Creative, and Legal

• Lead and scale the security team: Directly manage, mentor, and grow emerging security leaders and engineers, including a Sr Security Engineer, Security Architect, and your existing team members. • Define and evolve security strategy: Build and mature a comprehensive security program from an early stage, aligning security initiatives with overall business and product goals. • Embed security into engineering workflows: Collaborate closely with engineering and product teams to integrate security early in system designs (such as threat and design reviews) and into CI/CD pipelines. • Govern compliance and third-party risk: Own security architecture, operations, engineering, IT compliance, and third-party risk assessment programs to satisfy regulatory and fintech expectations. • Act as a risk-management partner: Serve as a pragmatic advisor who assesses risk and provides business-enabling guardrails rather than acting as a strict gatekeeper. • Communicate across stakeholders: Effectively translate complex security concepts and major risks to non-technical stakeholders, executive leadership, and cross-functional partners.

• 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.

• 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.

• 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

• Perform hands-on, in-depth analysis to identify opportunities for business and operational improvement across the organization • Conduct root cause analyses to understand the drivers of key performance metrics related to customer experience and internal efficiency • Develop and maintain core business metrics, performance dashboards, and recurring reports that provide a holistic view of company health • Define and track key KPIs to measure progress against strategic goals, ensuring alignment between operational execution and business outcomes • Deliver actionable insights into trends such as workflow efficiency, resource utilization, customer satisfaction, and service quality • Collaborate cross-functionally with business, operations, and leadership teams to translate analytical findings into impactful strategies and process enhancements • Support strategic initiatives from planning through execution, ensuring data-driven decision-making and clear performance tracking • Communicate insights and recommendations clearly to both technical and non-technical audiences, fostering a culture of analytical rigor and continuous improvement