Full-Time

Product Managers

Confirmed live in the last 24 hours

Earnest

Earnest

201-500 employees

Provides student loan refinancing and personal loans

Fintech
Financial Services

Entry, Junior

San Francisco, CA, USA

Category
Product Management
Product
Required Skills
Product Management
Marketing
Data Analysis
Requirements
  • Strong sense of ownership for projects and teams
  • High standards from themselves and others
  • Self-awareness of strengths and opportunities for improvement
  • Ability to approach challenges and failures as learning opportunities
  • Willingness to seek and give feedback
  • Genuine desire to perform well
Responsibilities
  • Ideate, design, drive, and bring product initiatives to life
  • Work across all teams at Earnest
  • Bridge the gap between business and technology
  • Analyze and use data and marketplace intelligence to inform business critical decisions
  • Collaborate with engineering, design & research, finance, marketing, and business leaders to bring products to market
  • Understand user needs and wants

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 low-interest rates tailored to individual needs. Clients can select flexible repayment plans that suit their financial circumstances, making it easier to manage their debt. Unlike many competitors, Earnest continuously adjusts its rates based on market conditions to remain competitive. The goal of Earnest is to help financially responsible individuals effectively manage their educational and personal debt.

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 refinancing due to rising traditional banking interest rates.
  • Growing preference for digital-first banking among millennials and Gen Z.
  • AI-driven credit assessment tools enhance Earnest's underwriting process.

What critics are saying

  • Increased competition from new fintech startups with innovative features.
  • Rising U.S. interest rates may decrease refinancing demand.
  • 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.
  • Provides a seamless online and mobile app experience for loan management.

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