[Remote] Staff Software Engineer, New Products at Earnest

San Francisco, California, United States

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

Skills

Key technologies and capabilities for this role

Server-Side ConceptsMicroservicesDatabaseCachingPerformanceMonitoringScalabilityPostgreSQLAmazon RDSNode.jsProduct ManagementReactTravel

Questions & Answers

Common questions about this position

What is the salary range for this Staff Software Engineer position?

The salary range is $199,000 - $248,000 USD, determined by qualifications, location, and budget.

Is this role remote or hybrid, and what's the location policy?

This is a hybrid role in the San Francisco Bay Area with an Oakland office, requiring monthly travel to the office for 3 consecutive days of team collaboration.

What are the key required skills for this position?

The role requires 7+ years of professional development experience, extensive server-side concepts including microservices, database, caching, performance, monitoring, and scalability, data modeling with PostgreSQL or Amazon RDS, modern Node.js, React, and experience working with Product Managers on consumer-facing products.

What is the company culture like at Earnest?

Earnest is dedicated to making higher education accessible and affordable, building tools like private student loans, refinancing, and scholarships, with a collaborative environment involving monthly office visits and work with Product and Engineering leadership.

What makes a strong candidate for this Staff Software Engineer role?

Strong candidates have 7+ years of experience, expertise in server-side concepts, Node.js, React, data modeling, and working with Product Managers, with bonus for technical lead experience in lending or fintech.

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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