General Manager, Lending at Earnest

San Francisco, California, United States

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Not SpecifiedCompensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Lending, Financial ServicesIndustries

Requirements

10+ years of related work experience
Consumer lending (credit card, personal loan, or student lending) experience is a plus
4-6 years of experience as a strategic critical thought leader
4-6 years of project management experience, leading large, complex organizational initiatives
Proven success managing high-performing, cross-functional teams and business units
Experience managing a growth P&L
Strong people management and emotional intelligence (EQ) – ability to set the tone for a team and drive results in a positive environment
Data-driven decision-making and strong analytical skills
Passionate about Earnest’s mission to make higher education accessible and affordable
Demonstrated ability to lead and drive business growth
Strong communication and interpersonal skills
Results-oriented with a focus on customer satisfaction

Responsibilities

Take ownership of the P&L for a core lending product
Define and refine the overarching strategy to drive success and scalability
Align and manage a cross-functional team (Product, Design, Engineering, Marketing, Operations, Data & Analytics, Risk, Pricing, and Capital Markets) to achieve strategic goals
Take full ownership of the customer journey, from Origination to Servicing, ensuring a seamless and impactful experience
Collaborate with Affiliate/Partnerships and Marketing teams to identify, develop, and secure high-impact strategic partnerships
Drive profitability and manage key product KPIs such as NPS, NIM, CAC, and funnel conversion
Communicate short- and long-term goals while driving profitability (execute multi-year vision)

Skills

Key technologies and capabilities for this role

P&L ManagementStrategic LeadershipProject ManagementTeam ManagementAnalytical SkillsConsumer LendingCross-Functional CollaborationCustomer Journey ManagementData-Driven Decision MakingRisk ManagementPricing StrategyCapital Markets

Questions & Answers

Common questions about this position

What experience is required for the General Manager, Lending role?

Candidates need 10+ years of related work experience, including 4-6 years as a strategic critical thought leader and in project management leading large initiatives, plus proven success managing high-performing cross-functional teams and growth P&L.

Is this a remote position or is there a location requirement?

This information is not specified in the job description.

What is the salary or compensation for this role?

This information is not specified in the job description.

What kind of team will I be working with in this role?

You will align and manage a cross-functional team including Product, Design, Engineering, Marketing, Operations, Data & Analytics, Risk, Pricing, and Capital Markets.

What makes a strong candidate for this General Manager position?

Strong candidates have 10+ years of experience, including strategic leadership, project management, team management, P&L ownership, strong EQ, and data-driven analytical skills, plus passion for Earnest’s mission and a results-oriented focus on customer satisfaction.

Earnest

Provides low-interest student and personal loans

About Earnest

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.

San Francisco, CaliforniaHeadquarters

2013Year Founded

$123.5MTotal Funding

ACQUISITIONCompany Stage

Fintech, Financial ServicesIndustries

201-500Employees