Earnest

Senior Financial Analyst

San Francisco, California, United States

Earnest Logo
Not SpecifiedCompensation
Senior (5 to 8 years), Junior (1 to 2 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Fintech, Education FinanceIndustries

Requirements

Candidates should have 2-5 years of finance/accounting experience, high proficiency with Excel, Google Sheets, PowerPoint, and Financial ERP systems, and experience working with C-suite level leadership. They should also possess the ability to lead work initiatives with cross-functional coordination and disseminate significant amounts of information with attention to details and accuracy, demonstrating a highly motivated and quick learning attitude.

Responsibilities

The Senior Financial Analyst will lead comprehensive financial forecasting by managing monthly and annual budgeting processes, consolidating financial models, and ensuring alignment with accounting practices for accurate projections. They will drive strategic business partnerships by collaborating with operational leaders to model expenses, headcount, and compensation, ensuring financial controls and accuracy in forecasts. Furthermore, they will deliver detailed monthly/quarterly financial reporting, enhance product profitability analysis, and optimize financial processes through automation and tool implementation, while also supporting strategic projects with financial analysis.

Skills

Excel
Google Sheets
PowerPoint
Financial Modeling
Forecasting
Variance Analysis
Financial Reporting
Automation
Scripting
Data Visualization

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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