Data Scientist

Job not on LinkedIn

🔥 44 minutes ago

🏄 California – Remote

🏄 California – Remote

💵 $194.8k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

📊 Data Scientist

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Earnest

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2013

💳 Fintech

💸 Finance

👥 B2C

Fintech • Finance • B2C

Earnest is a financial technology company specializing in refinancing and consolidating student loans. It offers options to help clients reduce their interest rates and tailor loan payments to fit their budgets, without any credit impact. The company focuses on client satisfaction, providing in-house support and flexible refinancing solutions. Earnest's services include refinancing student loans, Parent PLUS refinancing, and personal loans, with the aim of making higher education more affordable and manageable for students and their families. Known for transparent practices and competitive rates, Earnest has refinanced over $19. 6 billion in student loans.

📋 Description

• The Data Scientist at Earnest LLC in Oakland, CA will guide product recommendations and model development, and communicate analyses and insights to the Data team and broader organization. • Develop and maintain predictive machine learning (ML) models to assess potential risks and opportunities across Earnest’s lending products, contributing to the enhancement of risk and marketing assessment procedures. • Participate in the end-to-end ML pipeline, spanning from data collection to model deployment. This includes collaborating with data and infrastructure engineers to automate training and monitoring using BI tools and writing ETL pipelines to source data for model training from various sources such as Earnest or Navient data warehouses, production databases, third-party providers, and publicly available datasets. • Conduct experimentation and execute causal inference analyses on pricing, marketing, and product models to optimize product conversion rates. • Write code for inferential models that guide product and underwriting decisions, and document modeling decisions through Confluence or GitHub Readme files. • Collaborate closely with cross-functional teams and stakeholders to accelerate solution iteration and achieve measurable outcomes. • Articulate model impacts and analytical insights through presentations and reports, draft recommendations to optimize product and underwriting policies, and provide guidance and mentorship on modeling best practices to peers on the team.

🎯 Requirements

• Master’s degree in Data Science, Statistics, Business Analytics, or a related field, plus 4 years of experience as a Data Scientist or related occupation. • Must have 2 years of experience with each of the following: (1) designing and implementing machine learning models, including regression, classification, and forecasting for applications including underwriting, propensity, or collections models; (2) SQL, Python, and R for data analysis, modeling, and automation; (3) product analytics and experimental design, including A/B testing and causal inference; (4) building, testing, and deploying scalable data pipelines and production-ready models using statistical and ML methods; (5) researching and resolving data-related issues within the Financial Services, E-commerce, or Fintech sectors to drive informed decision-making and optimize business processes.

🏖️ Benefits

• 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