Earnest

Staff Software Engineer, New Products

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

Requirements

Candidates should possess 7+ years of professional development experience, extensive experience with server-side concepts such as microservices, database, caching, performance, and scalability, data modeling experience and integration with database technologies like PostgreSQL or Amazon RDS, and extensive experience with modern Node.js. Professional experience working with Product Managers on consumer-facing products and professional experience in React is also required.

Responsibilities

As a Staff Software Engineer, you will 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, and collaborate with Technical Leads and Architects across the Lending Platform on robust software solutions. Additionally, you will travel to the Oakland office monthly to collaborate with other Earnies.

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.

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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