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Earnest

Fintech lender offering low-interest student loans

Operations Workforce & Capacity Planning Manager

Full-TimeUpdated on 10/23/2026
$12.3k - $154k+ Annual performance-based bonus + Equity
Senior
San Francisco, CA, USA
RemoteRole is remote; role description states it is based in the US.
Business & StrategyBusiness Operations

About the job

Requirements
  • At least 7 years of workforce management or capacity planning experience, including a workforce management system implementation or major process build.
  • At least 4 years supporting contact center operations, including forecasting, scheduling, and intraday management.
  • Strong analytical skills and the ability to turn workforce data into actionable recommendations.
  • Proficiency in SQL, Excel, and/or Google Sheets.
  • Experience partnering across Operations, Finance, Data, and technical teams.
Responsibilities
  • Own end-to-end workforce strategy and capacity planning across Operations, translating volume forecasts and business needs into staffing and headcount plans.
  • Lead the implementation and rollout of a new workforce management platform, partnering across Operations, Engineering, Data, and external vendors.
  • Build and automate scalable forecasting, scheduling, and workforce planning processes to reduce manual work and improve operational efficiency.
  • Develop capacity models and scenario analyses to guide decisions around headcount, budget, shrinkage, overtime, and resource allocation.
  • Partner with Operations leadership on workforce performance, including scheduling, intraday management, service levels, and proactive staffing adjustments.
Desired Qualifications
  • Experience with Verint WFM or similar workforce management platforms.
  • Experience with Talkdesk and/or HubSpot.
  • Python or other scripting experience for analytics and automation.
  • Advanced analytics, project management, or Lean Six Sigma training.

About the company

Earnest provides low-interest loans in the United States, specializing in student loan refinancing, private student loans, and personal loans. The platform uses data analysis and underwriting software to tailor rates to each borrower's financial profile. Loans come with flexible repayment plans and terms, and the company earns revenue from the interest on issued loans. Earnest distinguishes itself through data-driven underwriting that customizes pricing for individual borrowers and by offering adaptable repayment options, appealing to financially responsible customers. Its goal is to stay competitive by adjusting rates to market conditions while helping people manage education and personal debt.

Company Size

201-500

Company Stage

Acquired

Total Funding

$327M

Headquarters

San Francisco, California

Founded

2013

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Simplify's Take

What believers are saying

  • Earnest announced May 19, 2026 refinancing for graduates using signed job offers.
  • Credible says Earnest has refinanced about $24 billion for more than 420,000 borrowers.
  • Federal loan rate pressure in 2025-2026 keeps refinance demand alive for high-rate borrowers.

What critics are saying

  • Massachusetts AG settled in July 2025 over biased AI underwriting and compliance failures.
  • Washington class-action allegations in June 2026 target misleading e-mail advertising by Earnest and Navient.
  • Navient’s 2024 CFPB ban and 2026 restitution keep its brand under regulatory glare.

What makes Earnest unique

  • Earnest’s May 2026 grace-period-match refinancing lets grads refinance before repayment starts.
  • It underwrites with bank-account, savings, and income data, not just FICO scores.
  • It still offers zero origination fees and customizable payments across long loan terms.

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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

Growth & Insights and Company News

6 month growth

10%

1 year growth

12%

2 year growth

12%
PR Newswire
May 19th, 2026
Earnest lets US graduate students refinance loans before graduation while keeping 9-month grace period

Earnest, a fintech company, has announced that eligible graduate students can now refinance their loans before graduation whilst maintaining their existing grace period for up to nine months. The initiative aims to help students reduce interest accrual on high-rate loans and align repayment with post-graduation income. The new offering addresses a gap in the market, as most lenders do not consider future income or match borrowers' grace periods. Federal Grad PLUS loan rates currently stand at 9.08% for 2024-2025 and 8.94% for 2025-2026. New federal loan caps taking effect on 1st July will further limit graduate borrowing capacity. Through the Job Offer Refinancing + Grace Period Match programme, borrowers can refinance within six months of graduation using a signed job offer letter, whilst preserving their grace period.