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 Lifecycle Marketing Manager will report to VP, Performance Marketing.

As the Lifecycle Marketing Manager, you will:

Own Lifecycle Strategy & Execution: Set the roadmap and execute hands-on campaigns across a meaningful portion of the customer journey to directly drive loan volume, LTV, retention, and cross-sell.
Drive Data-Backed Targeting & Creative: Establish a sharp POV on audience segmentation using behavioral and real-time data, partnering closely with Creative to push boundaries and turn opinions into evidence.
Lead the Testing Agenda: Independently design, size, and analyze rigorous A/B and multivariate tests to maximize impact and continuously optimize campaign performance.
Scale Cross-Product Growth: Build and scale the strategic programs that seamlessly move customers across the product portfolio (e.g., student loan refinancing to personal loans) to increase lifetime value.
Partner & Influence Cross-Functionally: Lead across the organization by partnering seamlessly with Data Science, Product, Creative, and Legal to build robust measurement models (incrementality, attribution) and ship flawlessly at speed.

About You:

Strategic & Analytical Experience: 6+ years of marketing experience with a highly analytical mindset; specific channel background matters less than your ability to connect programs to business outcomes, forecast, and master the tech stack quickly.
Quantitative Foundation: A degree in economics, engineering, statistics, math (or equivalent experience) that proves you naturally think in numbers, build your own reporting, and understand the nuances of attribution.
Data-Driven & Experiment-Led: A proven track record of living in a "test-and-learn" environment—expertly handling hypotheses, sample sizes, honest data reads, and swift optimization.
Strong POV & Influence: Ability to form a sharp, evidence-backed perspective on audience, creative, messaging, and timing, with the communication skills to influence senior stakeholders.
Proactive & Hands-On Execution: A deeply proactive operator who takes extreme ownership of the work, manages shifting priorities, builds campaigns hands-on, and sweats the details others overlook.

Even Better:

Industry Experience: Proven track record in fintech, lending, or another regulated B2C category, including a solid understanding of compliance (CAN-SPAM, TCPA, CCPA/CPRA).
Technical Skills: Strong SQL skills to pull your own data cuts, paired with hands-on experience utilizing lifecycle marketing tools (Braze experience is a major plus).
Advanced Measurement: Direct exposure to sophisticated measurement methodologies, including incrementality, geo-holdouts, Media Mix Modeling (MMM), and Multi-Touch Attribution (MTA).
Channel & Growth Scaling: Experience launching and scaling new channels (SMS, push, in-product) or successfully building cross-sell frameworks from scratch.

Where:

This role will be based in the US.

Compensation:

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.

Salary Range: $140,000 - $175,000USD.Employees are also eligible for an annual performance-based bonus and equity.

#LI-JP

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.

Lifecycle Marketing Manager

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