Earnest

Senior Product Analyst

San Francisco, California, United States

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

Requirements

Candidates should possess 4+ years of relevant experience in a product-centric or analytical role, with at least 2+ years demonstrating a highly proficient understanding of SQL, 1+ years of experience in A/B testing or statistical methodologies, and comfort with analytics tools such as Segment, Amplitude, Looker, or Optimizely. Strong business acumen, excellent communication skills, and the ability to collaborate across functions are also required, along with a curious and detail-oriented approach to managing tight deadlines in a fast-paced environment.

Responsibilities

As the Senior Product Analyst, you will lead data-driven experimentation to improve the client loan application experience, develop and maintain product analytics tracking across web and mobile platforms, partner with Product, Research, and Design to define customer personas and roadmap priorities, collaborate with Data Engineering to validate analytics solutions and drive model development, work cross-functionally to improve performance visibility and make actionable recommendations, design and execute complex statistical models and support major company initiatives, and identify opportunities for new product analytics initiatives, improved reporting processes, or enhanced testing strategies.

Skills

SQL
A/B Testing
Statistics
Segment
Amplitude
Looker
Optimizely
Data Analysis
Product Analytics
Statistical Modeling
Cross-functional Collaboration
Business Acumen
Communication

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.

Land your dream remote job 3x faster with AI