General Manager, Lending (San Francisco)

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 the 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 experience is 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 of project management experience leading large, complex organizational initiatives.
• Proven success managing high-performing, cross-functional teams and business units.
• Experience managing a growth P&L.
• Strong people management and emotional intelligenceability to set the tone for your team; drive 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 in our Oakland office.

Pay Range:

• Starting from $205,000 up to $236,000 USD, based on experience, qualifications, location, and internal considerations.

Earnest offers a variety of perks and benefits, including:

• 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
• Travel perks
• Competitive PTO and parental leave

Our Culture:

• Drivers: Satisfaction from making things happen, ownership, high standards.
• Humility: Humble team players, self-aware, team-focused.
• Growth Mindset: Embrace challenges, seek feedback, improve continuously.

We are committed to diversity, inclusion, equity, and belonging. We encourage all qualified candidates to apply, regardless of background.

Earnest is an equal opportunity employer and considers qualified applicants without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability, or genetics.

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