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About the Role
Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together.
Responsibilities
- Guide product recommendations and model development.
- Communicate analyses and insights to the Data team and broader organization.
- Develop and maintain predictive machine learning (ML) models to assess potential risks and opportunities across Earnest’s lending products.
- Participate in the end-to-end ML pipeline, from data collection to model deployment.
- Collaborate with data and infrastructure engineers to automate training and monitoring using BI tools.
- Write ETL pipelines to source data for model training from various sources.
- Conduct experimentation and execute causal inference analyses on pricing, marketing, and product models to optimize product conversion rates.
- Write code for inferential models that guide product and underwriting decisions.
- Document modeling decisions through Confluence or GitHub Readme files.
- Collaborate closely with cross-functional teams and stakeholders to accelerate solution iteration and achieve measurable outcomes.
- Articulate model impacts and analytical insights through presentations and reports.
- Draft recommendations to optimize product and underwriting policies.
- Provide guidance and mentorship on modeling best practices to peers on the team.
Requirements
- Master’s degree in Data Science, Statistics, Business Analytics, or a related field.
- 4 years of experience as a Data Scientist or related occupation.
- 2 years of experience designing and implementing machine learning models, including regression, classification, and forecasting for applications including underwriting, propensity, or collections models.
- 2 years of experience with SQL, Python, and R for data analysis, modeling, and automation.
- 2 years of experience with product analytics and experimental design, including A/B testing and causal inference.
- 2 years of experience building, testing, and deploying scalable data pipelines and production-ready models using statistical and ML methods.
- 2 years of experience researching and resolving data-related issues within the Financial Services, E-commerce, or Fintech sectors to drive informed decision-making and optimize business processes.
Skills
- Machine learning models
- Regression
- Classification
- Forecasting
- Underwriting models
- Propensity models
- Collections models
- SQL
- Python
- R
- Data analysis
- Modeling
- Automation
- Product analytics
- Experimental design
- A/B testing
- Causal inference
- Data pipelines
- Production-ready models
- Statistical methods
- ML methods
- Data warehousing
- BI tools
- ETL pipelines
- Confluence
- GitHub
Location
- Oakland, CA
Work Type
- 100% remote
- Full-time
Experience Level
- 4 years of experience as a Data Scientist or related occupation
- 2 years of experience with specific technical skills
Education Level
- Master’s degree in Data Science, Statistics, Business Analytics, or a related field
Salary/Compensations
- $194,834 per year
Benefits
- Health, Dental, & Vision benefits plus savings plans
- Mac computers + work-from-home stipend
- Monthly internet and phone reimbursement
- Employee Stock Purchase Plan
- Restricted Stock Units (RSUs)
- 401(k) plan with company match
- Robust tuition reimbursement program
- $1,000 travel perk on each Earnie-versary
- Competitive days of annual PTO
- Competitive parental leave
About the Company
- Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.
- Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt.
- At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other: Every Second Counts, Choose To Do Hard Things, Pursue Excellence, Lead Together, Don’t Take Yourself Too Seriously.
- 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.
Equal Opportunity
- 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.