Full-Time

Product Engineers

Posted on 10/23/2024

Earnest

Earnest

201-500 employees

Provides student loan refinancing and personal loans

No salary listed

Junior, Mid

San Francisco, CA, USA

Category
Full-Stack Engineering
Software Engineering
Required Skills
Kubernetes
React.js
Node.js
Redux.js
Postgres
Docker
AWS
Requirements
  • Proficiency in React & Redux
  • Experience with NodeJS
  • Familiarity with Docker & K8S
  • Knowledge of AWS
  • Experience with PostgreSQL and S3
Responsibilities
  • Design, develop, build, and implement consumer-facing products
  • Optimize client experience
  • Participate in product discovery early in the process
  • Provide expertise, costs, and estimates
  • Define project scope and deliver solutions

Earnest provides financial services focused on student loan refinancing, private student loans, and personal loans. The company uses advanced data analysis and underwriting software to assess each client's financial situation, allowing them to offer personalized loan rates that are often lower than traditional lenders. Clients can select flexible repayment plans that suit their needs, making it easier to manage their debt. Unlike many competitors, Earnest continuously adjusts its rates based on market conditions to ensure they remain competitive. The goal of Earnest is to help financially responsible individuals effectively manage their educational and personal debt.

Company Size

201-500

Company Stage

Acquired

Total Funding

$123.5M

Headquarters

San Francisco, California

Founded

2013

Simplify Jobs

Simplify's Take

What believers are saying

  • Increased demand for digital financial services boosts Earnest's online platform.
  • Alternative credit scoring models support Earnest's data-driven approach.
  • Growing trend of student loan refinancing aligns with Earnest's core offerings.

What critics are saying

  • Increased competition from fintech startups could erode market share.
  • Rising interest rates may decrease demand for refinancing options.
  • Potential regulatory changes could increase operational costs.

What makes Earnest unique

  • Earnest uses data-driven underwriting beyond traditional credit scores.
  • Offers flexible repayment plans tailored to individual financial situations.
  • Maintains a digital-first approach for loan applications and management.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Home Office Stipend

Phone/Internet Stipend

Tuition Reimbursement

Paid Vacation

Parental Leave

Company Equity

INACTIVE