General Manager, Lending

Our mission is to make higher education accessible and affordable for everyone. We empower students with financial support and supercharge their ability to pay down their debt, so they can get on the right financial track, fast.

We build tools that help people feel in control of their financial future, including

• Private student loans - low rates, people-first service, and flexible payments.
• Student loan refinancing - break free from high-interest rates or monthly payments.
• Scholarships - access to thousands of scholarships to help students pay less.
  
  

Earnies are committed to helping students live their best lives, free from the stress of student debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together!

The General Manager, Lending position will report to Head of Lending Products.

As the General Manager - Lending, you will

• Take ownership of the P&L for one of Earnest's core, high-growth lending products, reporting directly to Earnest's Head of Lending, on our Executive Team
• Work closely with a dynamic, cross-functional team spanning Product, Design, Engineering, Marketing, Operations, Data & Analytics, Risk, Pricing, and Capital Markets to drive growth and achieve annual goals.
• Take full ownership of the customer journey, from Origination to Servicing, ensuring a seamless and impactful experience.
• Shape and execute a multi-year vision and strategy to scale the business, effectively communicating both short- and long-term goals while driving profitability and managing key product KPIs such as NPS, NIM, CAC, and funnel conversion.
• Collaborate with Affiliate/Partnerships and Marketing teams to identify, develop, and secure high-impact strategic partnerships and alliances that fuel growth.
  
  

Your Impact

• Lead the growth and performance of the business, taking full ownership of the P&L.
• Define and refine the overarching strategy to drive success and scalability.
• Align and manage a cross-functional team to achieve strategic goals and deliver measurable outcomes.
• Drive key product initiatives from ideation to successful execution.
  
  

About You

• 10+ years of demonstrated related work experience with an emphasis on product management, product development, finance, and/or general management; Consumer lending--credit card, personal loan or student lending--a plus.
• 4 - 6 years of experience as a strategic critical thought leader partnering with business owners to define and translate needs into business requirements and product solutions.
• 4 -6 years project management experience with leading large, complex organizational wide initiatives.
• Proven success managing high-performing, cross-functional teams and business units.
• Experience managing a growth P&L.
• Strong people management and EQ - you can set the tone for your team; driving towards results within a positive work environment.
• Data-driven decision mentality, strong analytics, and common sense.
• Creative approach to solving problems.
• MBA preferred.
• Willingness to travel to the Oakland office 2 -3 times a week to collaborate with other Earnies.
  
  

Where

• This role will be based in the San Francisco Bay Area.
• This role requires a hybrid schedule, with 2-3 days a week spent in our Oakland office.
  
  

A little about our pay philosophy We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

Pay Range

$205,000—$236,000 USD

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including

• Health, Dental, & Vision benefits plus savings plans
• Mac computers + work-from-home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• Restricted Stock Units (RSUs)
• 401(k) plan to help you save for retirement plus a company match
• Robust tuition reimbursement program
• $1,000 travel perk on each Earnie-versary to anywhere in the world
• Competitive days of annual PTO
• Competitive parental leave
  
  

What makes an “Earnie” culture

• Drivers – Drivers are satisfied by making things happen, not coming along for the ride. They feel a strong sense of ownership for their projects and teams and demand high standards from themselves and others.
• Humility – Humble team players check their egos and consider the team’s needs above their own. They are self-aware of their strengths and opportunities for improvement.
• Growth Mindset – People with a growth mindset approach challenges and failures as learning opportunities. They seek feedback to improve, give feedback to others, and genuinely want to perform well.
  
  

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.