Job Description

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 Senior Financial Analyst will report to the Senior Manager, Financial Planning and Analysis.

As the Senior Financial Analyst, you will :

• Lead comprehensive financial forecasting : Manage monthly and annual budgeting processes, consolidate financial models, and ensure alignment with accounting practices for accurate projections.
• Drive strategic business partnerships : Collaborate with operational leaders to model expenses, headcount, and compensation, ensuring financial controls and accuracy in forecasts.
• Deliver detailed monthly / quarterly financial reporting : Partner with acco.unting for accurate close, analyze variances, and create executive-level financial summaries and narratives.
• Enhance product profitability analysis : Expand product-level reporting to reflect accurate P&L financials, including cost allocation and automation.
• Optimize financial processes through automation and tool implementation : Implement and optimize FP&A tools, automate processes using scripting languages, and transition to visualization-based reporting.
• Support strategic projects with financial analysis : Conduct financial analyses for new product development, competitive analysis, and other strategic initiatives to drive business growth.

About You :

• 2 - 5+ years of finance / accounting experience.
• High proficiency with Excel, Google Sheets, PowerPoint, and Financial ERP systems.
• Experience working with C-suite level leadership (direct reporting, presentations, etc.) and comfortable speaking in large groups.
• Ability to lead work initiatives with cross functional coordination with stakeholders.
• Ability to disseminate significant amounts of information with attention to details and accuracy.
• Highly motivated, quick learner and enthusiastic about their work.

Even Better :

• Prior experience working in the lending industry is highly valuable.
• Very strong Excel and deck / slide creation (PowerPoint) skills.
• Big plus if you can write code scripts (Python, R or other equivalent) to automate and streamline reporting and processes.
• SQL or other database coding experience.
• Experience rolling out new products / analyzing new product financials.

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. Its a chance to connect, share ideas, and maybe even grab some coffee together!

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

Pay Range

112,000 — $127,000 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 :

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 : Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
• Choose To Do Hard Things : We win by tackling the hard things that others avoid, fueled by grit and resilience.
• Pursue Excellence : Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.
• Lead Together : Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.
• Don’t Take Yourself Too Seriously : We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.

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, 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.

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Senior Financial Analyst • San Francisco, CA, United States

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