At Earnest, we believe in a world where paying for your education takes less time than earning your degree.  Join us on our mission to empower anyone seeking higher education to reduce the total price tag of their degree, supercharge their ability to pay down student debt, and get on the right financial track fast.

A little background on Earnest: We're a remote first FinTech company with an accomplished team who believe consumer lending can be radically improved and are doing something about it. We are disrupting the trillion dollar student loan industry by redefining what it means to be creditworthy. We created a company that combines data science, streamlined design, and technology to:

• Build products that simplify the lending process
• Personalize loans to suit the needs of our customers
• Engage with our customers through more human experiences

What makes an “Earnie” culture: 

Earnest’s culture is as dynamic as the products we’re building and defining every day. We’re a fast-growing company, and that means we’re constantly integrating the new perspectives of every individual.

Earnies define our culture as:

• Earn Happy Customers
• Our success comes from anticipating their needs and providing the solutions they’re looking for.
• Better is Better
• The path to great means getting better every day. We push ourselves, and each other, to remain curious and think differently. 
•  PhD in Moving Fast
• Our customers are tired of long wait times and large student loan bills so we constantly seek out ways to deliver faster.  
•  Passion for Challenges
• Perseverance and optimism are just the start to take on the inertia of a national trillion-dollar problem. 
•  Impact is a Team Sport
• We maximize our impact when we act as one team.  

Our Earnie's are fun, innovative, and willing to rollup their sleeves to help their team succeed in a fast-paced environment. If this sounds like you, and you want to join us on our mission to radically disrupt a trillion dollar fintech industry, keep reading to find out how. 

As a Data Scientist, you will report to the Data Science Manager. You will play a pivotal role in our data-driven decision making and drive impact for our Growth, Risk, Product, and Marketing teams. You'll have the opportunity to work on cutting-edge projects that involve credit risk modeling, causal inferencing from experimental results, custom large-language modeling and NLP tasks for income verification.

What you’ll do:

Depending on the project, you would: 

• Develop and support financial loan pricing and conversion optimization models
• Build forecasting models on both product demand and internal operations backlog 
• Optimize product conversion by running A/B tests and other experimentation methods on our pricing, marketing and product models
• Research and prototype models and present in model review sessions
• Work with data and infrastructure engineers to deploy your model or develop required data pipelines to automate training and monitoring with BI tools
• Prepare technical design and git/confluence documentation 
• Work with general managers, marketing and operation teams to identify and address their data modeling needs for better forecasting and planning

Ideal background and expertise:

• 2+ years in R/Python and SQL
• 2+ years professional experience in model development and/or data analytics (or Master's degree in Data Science, Operations Research, Industrial Engineering, Economics or a related quantitative field with 1+ years of professional experience in model development and analytics) 
• Expertise in statistical inference
• Experience in product analytics and experimental design  
• Deep understanding of classification, regression and forecasting models and AB testing
• Experience working in a cross-functional environment with teamwork and excellent communication skills

Bonus to have: 

• Understanding of financial metrics and bond markets
• Understanding of econometrics and elasticity in pricing optimization
• Experience with convex optimization
• Experience with BI tools such as Looker, Tableau, PowerBI, etc.
• Machine learning modeling experience

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

• Health, Dental, & Vision benefits plus savings plans
• Work anywhere in the U.S. 
• Mac computers + work from home stipend to set up your home office
• Monthly internet and phone reimbursement
• Employee Stock Purchase Plan
• 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
• Annual “my day” 
• Pet insurance!
• Competitive parental leave
• Plenty of Earnest swag, optional in person team gatherings, picnics, celebrations, and plenty of fun virtual events 

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, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.

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