Earnest

Senior Product Analyst

San Francisco, California, United States

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

Position Overview

  • Location Type: Hybrid (San Francisco Bay Area, with monthly travel to Oakland)
  • Job Type: Full-time
  • Salary: Not specified

Earnies is a company dedicated to making higher education accessible and affordable. They offer tools for private student loans, refinancing, and scholarships, aiming to help students manage their debt and achieve financial stability. The Senior Product Analyst will play a key role in improving the client loan application experience through data-driven experimentation.

Requirements

  • Experience: 4+ years of relevant experience in a product-centric or analytical role, with at least 2+ years demonstrating a highly proficient understanding of SQL.
  • A/B Testing & Statistics: 1+ years of experience in A/B testing or statistical methodologies.
  • Analytics Tools: Comfortable with analytics tools such as Segment, Amplitude, Looker, or Optimizely.
  • Business Acumen: Strong business acumen with the ability to translate data into strategic insights.
  • Communication Skills: Excellent communication skills and ability to collaborate across functions.
  • Other Skills: Curious, detail-oriented, and able to manage tight deadlines in a fast-paced environment. A collaborative, “coach mentality” who values sharing knowledge and working well with cross-functional teams.

Responsibilities

  • 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.
  • Identify opportunities for new product analytics initiatives, improved reporting processes, or enhanced testing strategies.

Even Better (Bonus Skills)

  • Familiarity with R or Python.
  • Familiarity with ETL tools (e.g., dbt, Fivetran) for transforming raw data.
  • Experience modeling financial portfolios (especially student loans).
  • Familiarity with lifecycle marketing and customer segmentation.
  • Exposure to full product development lifecycle from concept to implementation.
  • Familiarity with internal control requirements and data governance.

Company Information

  • Mission: To make higher education accessible and affordable for everyone.
  • Products: Private student loans, student loan refinancing, and scholarships.
  • Location: San Francisco Bay Area (with monthly travel to Oakland office for team collaboration).

Application Instructions

  • Not specified in the provided text.

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.

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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