Earnest’s mission is to make higher education accessible and affordable for everyone. We empower past, present, and soon-to-be students to maximize their financial futures through thoughtful guidance and impactful products.

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.

The Senior Manager, Financial Planning & Analysis position will report to the Director of Strategic Finance.

As the Senior Manager, Financial Planning & Analysis, you will:

• Own the monthly forecasting process and coordinate consolidation of financial statement metrics (revenue, expenses, capitalization, etc.) and maintain detailed level expertise with the ability to summarize into a presentation format.

• Partner with variable expense cost centers (Marketing & Operations) to ensure operational excellence and predictable expenses with managed vendors, acquisition channels and variable headcount needs that move in step with origination volumes.

• Drive the annual company-wide budget and planning processes. Consolidate and provide financial summaries that can be shared with a variety of stakeholders ranging from internal business leaders up to Navient’s Board

• Implement financial controls and practices alongside several of key business leaders, and lead projects that span across multiple functions.

• Maintain accountability with business partners for the accuracy of forecasts, communicating financial results and drivers with the ability to challenge and influence key strategic decisions.

• Partner with the accounting function to ensure expenses and invoices are aligned with operational expectations. Audit monthly GL entries and drive adjustments as needed to ensure accuracy across product, department and account levels.

• Streamline monthly processes through automation by transitioning flat file models to coded scripts (ie Python, R, etc.) and converting current reporting to visualization-based reporting systems (ie Tableau, Looker).

Your Impact:

• Lead the FP&A team to integrate all relevant financial models (headcount and opex by department) into a single, consolidated format that will drive monthly analysis and strategic dialogue.

• Implement financial controls and practices alongside several of key business leaders (including Earnest CEO and CFO), and lead projects that span across multiple functions.

• Be entrenched and understand business partners operational and strategic project plans as well as associated opportunities and challenges.

• Identify opportunities to improve business and finance processes; make appropriate recommendations and implement accordingly.

About You:

• 8+ 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

• Experience working with large data sets to disseminate trend analysis for forecasting / manipulating data to tell a story with supporting evidence

• Experience and/or knowledge of the lending industry, amortization tables, loan loss models, securitization structures, warehouse financing facilities and risk-based pricing.

• Ability to lead work initiatives with cross functional coordination with stakeholders

• Ability to disseminate significant amounts of information with attention to details and accuracte

• Willingness to travel to the Oakland office monthly to collaborate with other Earnies.

Even Better:

• Prior experience in the lending industry

• Strong Excel and deck/slide creation (PowerPoint) skills

• Formula auditing

• SQL or other database coding experience

• Ability to write code scripts (Python or other equivalent) to automate and streamline reporting and processes.

Where:

• This role will be based in the San Francisco Bay Area, CA.

• 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!

About Us:

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.

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!

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

• Annual “my day”

• Pet insurance!

• Competitive parental leave

• Plenty of Earnest swag, 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, 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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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

$143,000—$163,000 USD