Earnest

Product Manager

New York, New York, United States

$180,000 – $210,000Compensation
Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Consumer Software, Enterprise SoftwareIndustries

Requirements

Candidates should have experience working in a fast-paced environment with a culture of excellence. A proven track record of developing creative solutions to business challenges is essential, along with strong skills in defining product vision and roadmaps.

Responsibilities

The Product Manager will define product vision and roadmap in conjunction with various teams, envision and build new product features and strategies, and represent business interests during design and development phases. They will identify and prioritize requirements from users, define KPIs, and track performance. Additionally, the role involves organizing and prioritizing the product team's work, communicating project statuses, and enhancing existing operational processes to support scale. The Product Manager will also assess best-in-class product features and participate in the integration of acquisitions as part of the product roadmap.

Skills

Product Vision
Roadmap Definition
Hypothesis
Experimentation
Stakeholder Management
Requirements Gathering
KPI Tracking
Prioritization

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.

Key Metrics

San Francisco, CaliforniaHeadquarters
2013Year Founded
$123.5MTotal Funding
ACQUISITIONCompany Stage
Fintech, Financial ServicesIndustries
201-500Employees

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

Risks

Increased competition from fintech startups could erode market share.
Rising interest rates may decrease demand for refinancing options.
Potential regulatory changes could increase operational costs.

Differentiation

Earnest uses data-driven underwriting beyond traditional credit scores.
Offers flexible repayment plans tailored to individual financial situations.
Maintains a digital-first approach for loan applications and management.

Upsides

Increased demand for digital financial services boosts Earnest's online platform.
Alternative credit scoring models support Earnest's data-driven approach.
Growing trend of student loan refinancing aligns with Earnest's core offerings.

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