Earnest
Senior Product Manager
Job Summary
The role is for a Senior Product Manager overseeing the end-to-end development and growth of the In-School Student Lending product. Responsibilities include driving product strategy, enhancing borrower experiences, and optimizing unit economics through cross-functional collaboration. The candidate should have extensive experience in product management, especially within lending and fintech, with strong data fluency and communication skills. The position emphasizes ownership, problem-solving, and building simple, transparent financial products, with flexible work locations in the Bay Area, Salt Lake City, or Austin.
Required Skills
Benefits
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!
This role will report to the Vice President of Product - Lending.
We’re looking for a Senior Product Manager to lead our In-School Student Lending product—owning it end-to-end and driving its next stage of growth. This is a highly visible, high-impact role at the heart of our lending business. You’ll work closely with a dedicated cross-functional team and partner directly with our Student Loans GM to shape strategy, deliver best-in-class borrower experiences, and improve unit economics.
This role is ideal for someone who thrives in ownership-heavy environments, is fluent in lending, and who can translate complexity into clear, actionable plans. If you’re energized by digging into tough problems, have a growth mindset, and are ready to roll up your sleeves to grow a product in a competitive space—we want to talk.
As the Senior Product Manager, SLO/GM, you will:
- Own the student lending product end-to-end, from strategy and roadmap to day-to-day execution and optimization.
- Drive growth and unit economics—identify and deliver product and process improvements across the full borrower journey (acquisition, onboarding, underwriting, servicing, etc.).
- Partner closely with the Student Loans GM on business strategy, prioritization, and cross-functional execution.
- Collaborate with a dedicated engineering and design team, and work alongside shared functions including research, analytics, data science, and credit.
- Use both qualitative insights and quantitative data to uncover borrower needs, validate hypotheses, and measure impact.
- Define, track, and deliver against both product metrics (conversion, NPS, feature adoption, time to fund, etc.) and business metrics (loan volume, delinquency/default rates etc.).
- Manage regulatory and compliance requirements.
- Communicate roadmap, progress, and results to stakeholders across the company.
About You:
- 5+ years of product management experience, with a track record of end-to-end ownership and results.
- 3+ years in lending products.
- 3+ years in fintech (can be overlapping with the above).
- A builder’s mindset—you’re hands-on, comfortable with ambiguity, and skilled at turning big ideas into clear, achievable plans.
- Strong product instincts backed by data fluency—you know how to use metrics, experimentation, and customer insights to guide decisions.
- Excellent communication and storytelling skills—you can align teams, influence stakeholders, and make complexity easy to understand.
- A natural collaborator who thrives in cross-functional settings and builds strong partnerships across product, engineering, design, analytics, and business teams.
- A passion for solving real problems for real people—and for making financial products simpler, more transparent, and more effective.
Where:
- This role will be based in the San Francisco Bay Area, Salt Lake City, UT, or Austin, TX areas.
- 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 / Salt Lake City / Austin, TX. offices 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-GA1
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.
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.
Earnest
A financial technology company providing student loan refinancing, personal loans, and other lending solutions with flexible terms.
See more jobsSafe Remote Job Search Tips
Verify Employer Thoroughly
Research the company's identity thoroughly before applying. Check for a professional website with contacts, active social media, and LinkedIn profiles. Verify details across platforms and look for reviews on Glassdoor or Trustpilot to confirm legitimacy.
Never Pay to Get a Job
Legitimate employers never require payment for applications, training, background checks, or equipment. Always reject upfront payment requests or demands for bank details, even if they claim it's for purchasing necessary work gear on your behalf.
Safeguard Your Personal Information
Protect sensitive data like SSN, bank details, or ID copies. Share this only after accepting a formal, written job offer. Ensure it's submitted via a secure company system or portal, never through insecure channels like standard email attachments.
Scrutinize Communication & Interviews
Watch for communication red flags: poor grammar, generic emails (@gmail), vague details, or undue pressure. Be highly suspicious of interviews held only via text or chat apps; legitimate companies typically use video or phone calls.
Beware of Unrealistic Offers
If an offer's salary or benefits seem unrealistically high for the work involved, be cautious. Research standard pay for similar roles. Offers that appear 'too good to be true' are often scams designed to lure you into providing information or payment.
Insist on a Formal Contract
Always secure and review a formal, written job offer or employment contract before starting work or sharing final personal details. Ensure it clearly defines your role, compensation, key terms, and conditions to avoid misunderstandings or scams.