Staff Software Engineer, Personal Loans

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 Staff Software Engineer, Personal Loans position will report to the Senior Software Engineering Manager. 

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 Personal Loans roadmap
• Continually iterate on high fidelity solutions to delight our customers
• Collaborate with Technical Leads and Architects across the Lending Platform on robust software solutions

About You: 

• 7+ years of professional development experience
• Extensive experience with server-side concepts, e.g. microservices, database, caching, performance, monitoring and scalability
• Data modeling experience and integration with database technologies like PostgresSQL or Amazon RDS
• Extensive experience with modern Node.js
• Professional experience working with Product Managers on consumer-facing products
• Professional experience in React
• Willingness to travel to the Oakland office monthly to collaborate with other Earnies.

Even Better:

• Experience as a technical lead for lending products or projects in the past
• Experience leading projects with React as a core technology
• Experience working in Fintech, Banking, Lending, or related Consumer Financial Services is a plus

Where:

• This role will be based in the San Francisco Bay Area.
• While you’ll enjoy the flexibility of remote work, we also love to see our Earnies face-to-face! We ask you to join us at our Oakland office for 3 consecutive days a month for team collaboration and some fun. It's a chance to connect, share ideas, and maybe even grab some coffee together!

#LI-NS1

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 $199,000—$248,000 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