Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.

We build tools that help people feel in control of their financial future, including:

Private student loans - low rates, people-first service, and flexible payments.
Student loan refinancing - break free from high-interest rates or monthly payments.
Scholarships - access to thousands of scholarships to help students pay less.

Earnies are committed to helping students live their best lives, free from the stress of student debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together!

The Loss Forecasting & Performance Analytics Manager will report to the Head of Risk.

As the Loss Forecasting & Performance Analytics Manager, you will:

Lead the development, maintenance, and monitoring of loss forecasting models across Earnest’s loan portfolios (e.g., Student Loan Refinance, Private Student Loan, Personal Loan).
Analyze portfolio performance, providing data-driven insights and actionable recommendations to improve risk and profitability.
Collaborate with teams across credit strategy, finance, and capital markets to strengthen loss forecasting and analytics processes.

Your Impact:

Set the technical direction for loss forecasting and performance analytics by proposing methodologies, tools, and technologies to drive portfolio insights and decision-making.
Develop and maintain loss forecasting models incorporating macroeconomic conditions and other relevant factors to establish forward-looking views of performance and risks.
Analyze and present portfolio performance metrics such as life-of-loan losses, ROE sensitivity, and variance between actual and forecasted outcomes to senior executives and external stakeholders.
Build and enhance robust data pipelines and governance processes to ensure data accuracy, quality, and reliability.
Create executive-ready materials for performance insights, rating agency updates, and financing due diligence.
Drive innovation in tools, methodologies, and data use to improve risk and portfolio analysis.
Manage multiple projects and stakeholders, ensuring timely execution

About You:

6+ years of experience in risk modeling, credit performance analysis, or related fields, including developing and maintaining loss forecasting models.
3+ years of hands-on experience in SQL and Python programming for advanced data analysis and modeling.
Strong expertise in statistical modeling, loss forecasting methodologies, and sophisticated risk data analysis.
Experience with BI/reporting tools such as Looker or Tableau.
Proficiency in Microsoft Office (Excel, PowerPoint) or Google Suite (Sheets, Slides).
Excellent verbal and written communication skills, with the ability to present complex findings clearly to both technical and non-technical audiences.
Demonstrated ability to manage multiple priorities and projects under tight deadlines while mentoring and guiding team members.
Knowledge of consumer lending products, financial modeling, and P&L evaluation.
Willingness to travel to the Oakland office monthly to collaborate with other Earnies.

Even Better:

Experience in Fintech
Python Expert

Where:

This role will be based in the US.
While you’ll enjoy the flexibility of remote work, we also love to see our Earnies face-to-face! We ask you to join us at our Oakland office for 3 consecutive days a month for team collaboration and some fun. Its a chance to connect, share ideas, and maybe even grab some great coffee together!

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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. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, and budget. This range may be modified in the future.

Pay Range

$180,000—$204,000 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” culture:

Drivers – Drivers are satisfied by making things happen, not coming along for the ride. They feel a strong sense of ownership for their projects and teams and demand high standards from themselves and others.
Humility – Humble team players check their egos and consider the team’s needs above their own. They are self-aware of their strengths and opportunities for improvement.
Growth Mindset – People with a growth mindset approach challenges and failures as learning opportunities. They seek feedback to improve, give feedback to others, and genuinely want to perform well.

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.