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:

• Collaborate with a cross-functional team of individuals from multiple departments - Product, Design, Engineering, Marketing, Operations, Data and Analytics, Risk, Pricing, and Capital Markets - to meet yearly goals. 
• Own the customer experience from Origination through Servicing.
• Influence and execute a multi-year vision and strategy to grow the business, and to communicate short- and long-term product goals and profitability objectives, working closely with key stakeholders to manage product KPIs including, but not limited to, NPS, NIM, CAC, Funnel conversion. 
• Partner with the Affiliate/Partnerships and Marketing team to identify and close value-creating strategic partnerships and alliances that lead to growth. 
• Be responsible for owning P&Ls for one of the Earnest lending products and will report to Earnest's Head of Lending Products, a member of the Earnest Executive Team.

Your Impact:

• Drive growth in the business and own all aspects of the business P&L.
• Develop and continuously update the overall strategy for the business.
• Manage a cross-functional team to accomplish goals set during strategic planning.
• Drive key product initiatives to completion.

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.

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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. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, and budget. This range may be modified in the future.

Pay Range $186,000—$211,000 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