Earnest

San Francisco
101 - 250 Employees
26 - 50 Engineers
$100M+ Funding
Exited (Acquired)

We believe the fundamental role of banks and lenders is to help people realize their hopes and dreams. But we realized the financial system had forgotten this primary purpose, instead serving to enrich a privileged few. So we started Earnest to restore the trust that is sorely missing from the current system, and to build a modern financial institution that actually delivers on making clients’ lives better.

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Why join us?
  • Mission: Earnest is a real business solving real problems through technology we enable people access to better credit options. Have you ever been frustrated with lack of visibility into one of your loans? We take pride in our technology that makes the loan application process and the loan repayment process simple, transparent, and delightful.

  • People: We are a skilled team of design, math, finance, and technology geeks who noticed a lack of trust in the financial system and decided to do something about it. We created a company that combines data science, streamlined design, and exceptional service to bring people a fast, low-cost, and hyper-personalized financial experience. Our mission is to make credit more accessible by reducing the costs and barriers faced by millions of financially responsible people. The Technical teams at Earnest are passionate about what they do and that shows in the working relationships. We work closely with business leads and product managers to evolve our current offering and add new financial services.

  • Stack: On the browser side we use React/Redux for building new things and have a bunch of Angular we’re moving away from. On the server-side, we predominately use Node.js and are migrating core business services to JVM based languages. We deploy services in Docker and Kubernetes on Amazon Web Services. We consume other squads’ services (written in Node.js, Scala, and Java) using JSON over HTTP and we store the bulk of our data in Postgres and Amazon S3. As a Software Engineer, you will get a lot of say in defining the architecture and tech stack that work for your team.


Engineering at Earnest
Engineering team and processes

Currently, we are a team of 50ish Engineers! We are a pragmatic team and we value each team members suggestions.

Technical Challenges

Microservice architecture: like any startup, we kept things simple at the start by having a single code base and small number of deployable artifacts to production. Now our monolith code base is too big and we’re on the journey of migrating core business functionality to microservices. If you are opinionated on how to build and scale our product and engineering teams and architecture, you will get a chance to do so here.

Continuous Deployment: All teams at Earnest value Continuous Delivery and some are experimenting with Continuous Deployment. If you like delivering high quality features to production, quickly, this is the place for you.

Quality: Engineering teams own the quality of their code, all the way to the production environment. This means we’re constantly working to ensure we’ve implemented features correctly with minimal operational overhead because we’re the ones getting paged when things go wrong.

Data: We get access to a wide range of data for each of our clients (credit reports, transaction accounts, site behavior) making data a key advantage over our competitors. This means we are constantly iterating on better ways to create, test, train, and deploy models and algorithms to utilize our data advantage. Engineers and modelers pair together to solve this problem at Earnest.

Projects you might work on
  • Accelerating the funding of loans Building out portfolio and investor management tools Dockerizing applications

  • Integration with strategic business partners (internal and external to Earnest) - i.e. link from strategic business partner sites

Tech stack
Node.js
Angular.js
AWS
React
JSON

Working at Earnest

Earnest's culture is as dynamic as the products we are building and defining every day. We're a fast growing company, and that means we're constantly integrating the new perspectives of every individual.

Free Food

We do breakfast as a company every Monday morning before our weekly kick off meeting. Breakfast ranges from scambles with potatoes, breakfast burritos, to bagels. On top of that we have a fully stocked kitchen with drinks and snacks. We also do company wide lunch usually at the end of the month.

Beautiful Office

We're located at 2nd and Folsom in San Francisco and we also have an office in downtown Salt Lake City, UT.

Generous Vacation

We offer a Self Serve PTO policy. Basically it is unlimited within reason. Take your time off like any other company the beauty of ours is that you don't have to accrue PTO.

Travel

When you get to your annual anniversary we offer $1000 dollars to travel anywhere in the world! We want people to explore and enjoy life via our products as well as internally!

Health Insurance

Health, Vision, Dental

Transportation

We also offer a commuter benefit pretax as well!

Team Activities

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