Earnest

• 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

• 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

• 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.

• Own end-to-end implementation of credit and fraud policies for all product lines within Earnest decisioning platform, including testing, deployment, and validation to ensure accuracy and alignment with policy intent • Develop and optimize credit underwriting and fraud prevention strategies for personal loans, balancing growth, risk, and customer experience objectives • Analyze portfolio performance, approval funnels, and fraud trends to identify opportunities for strategy enhancements and loss mitigation • Design, test, and implement decision rules, segmentation strategies, and policy changes using data-driven experimentation frameworks • Partner cross-functionally with Product, Data Science, Compliance, and Operations to ensure strategies are effectively deployed and monitored • Build dashboards, reporting, and monitoring frameworks to track credit and fraud KPIs, including approval rates, losses, and fraud rates • Support model and strategy governance through documentation, controls, and performance reviews

• 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

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together. What You'll Do: - 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 About You: - Bachelor’s degree in a quantitative field (e.g., Statistics, Engineering, Analytics, Economics); Master’s preferred - 4+ years of experience in fraud risk, credit risk, or customer risk management within a financial institution or fintech - 3+ years of hands-on experience with SQL, Python, or R for data analysis and modeling - 3+ Proven experience designing and implementing fraud strategies for unsecured lending products (e.g., personal loans) - Strong analytical and problem-solving skills with attention to detail - Ability to translate complex data into clear, actionable insights - Effective communicator with experience influencing cross-functional stakeholders - Self-starter with a high degree of ownership, curiosity, and adaptability Even Better: - Experience with machine learning models (e.g., logistic regression, tree-based models, anomaly detection) - Familiarity with fraud typologies (e.g., synthetic identity, first-party fraud, account takeover) - Knowledge of regulatory frameworks and risk controls (e.g., fair lending, model governance) - Experience with experimentation frameworks and decision systems - Exposure to modern data stack tools (e.g., dbt, Snowflake) and BI tools (e.g., Looker) A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future. Pay Range $124,000—$155,000 USD Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including: - Health, Dental, & Vision benefits plus savings plans - Mac computers + work-from-home stipend to set up your home office - Monthly internet and phone reimbursement - Employee Stock Purchase Plan - Restricted Stock Units (RSUs) - 401(k) plan to help you save for retirement plus a company match - Robust tuition reimbursement program - $1,000 travel perk on each Earnie-versary to anywhere in the world - Competitive days of annual PTO - Competitive parental leave What Makes an Earnie: At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other: - Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success. - Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience. - Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement. - Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team. - Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient. At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for. Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together. The Director of Collections Strategies will report to our Chief Product Officer As the Director of Collections Strategy, you will: - 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. About You: - 10+ years of experience in consumer lending collections, servicing, or recoveries, with significant ownership of strategy and execution. - Deep knowledge of collections operations, compliance, and vendor management. - Track record of improving recovery outcomes while maintaining a strong customer experience. - Highly analytical and comfortable using data to guide decisions and optimize performance. - Strong cross-functional communicator who works effectively across Risk, Product, Operations, Legal, Compliance, and Data. Even Better: - Experience in fintech, digital lending, or a customer-oriented bank. - Familiarity with student loans, personal loans, or unsecured installment lending. - Experience building or modernizing a collections function from the ground up. Where: - This role will be based in the US. Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including: - Health, Dental, & Vision benefits plus savings plans - Mac computers + work-from-home stipend to set up your home office - Monthly internet and phone reimbursement - Employee Stock Purchase Plan - Restricted Stock Units (RSUs) - 401(k) plan to help you save for retirement plus a company match - Robust tuition reimbursement program - $1,000 travel perk on each Earnie-versary to anywhere in the world - Competitive days of annual PTO - Competitive parental leave What Makes an Earnie: At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other: - Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success. - Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience. - Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement. - Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team. - Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient. At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for. Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.