Earnest

Staff Software Engineer, New Products

San Francisco, California, United States

$199,000 – $248,000Compensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Financial Services, Fintech, Banking, Lending, Financial ServicesIndustries

Position Overview

  • Location Type: Hybrid (San Francisco Bay Area, Oakland office)
  • Job Type: Full-time
  • Salary: $199,000 - $248,000 USD (Range - determined by qualifications, location, and budget)

Earnies is dedicated to making higher education accessible and affordable. We build tools to help people manage their financial futures, including private student loans, refinancing options, and scholarships. The Staff Software Engineer, New Products position will report to the Senior Software Engineering Manager.

Requirements

  • Experience: 7+ years of professional development experience.
  • Server-Side Concepts: Extensive experience with server-side concepts (microservices, database, caching, performance, monitoring, and scalability).
  • Data Modeling: Experience with data modeling and integration with database technologies (PostgreSQL or Amazon RDS).
  • Node.js: Extensive experience with modern Node.js.
  • Product Management: Professional experience working with Product Managers on consumer-facing products.
  • React: Professional experience in React.
  • Travel: Willingness to travel to the Oakland office monthly for collaboration.

Responsibilities

  • Build the new Personal Loans product within a team of senior engineers using Earnest’s Lending Platform.
  • Work with Product and Engineering leadership to refine, estimate, and pivot the New Products roadmap.
  • Continually iterate on high-fidelity solutions to delight customers.
  • Collaborate with Technical Leads and Architects across the Lending Platform on robust software solutions.

Even Better (Bonus Skills)

  • Experience as a technical lead for lending products or projects.
  • Experience leading projects with React as a core technology.
  • Experience working in Fintech, Banking, Lending, or related Consumer Financial Services.

Company Information

  • Mission: To make higher education accessible and affordable for everyone.
  • Products: Private student loans, student loan refinancing, scholarships.
  • Location: San Francisco Bay Area (Hybrid - Remote and Oakland office)
  • Travel: Monthly travel to the Oakland office for team collaboration (3 consecutive days).

Application Instructions

  • (No specific application instructions provided in the text.)

Skills

Server-Side Concepts
Microservices
Database
Caching
Performance
Monitoring
Scalability
PostgreSQL
Amazon RDS
Node.js
Product Management
React
Travel

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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