Data Scientist

Duties

• Guide product recommendations and model development.
• 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.
• Contribute to the enhancement of risk and marketing assessment procedures.
• Participate in the end-to-end ML pipeline, spanning from data collection to model deployment.
• Collaborate with data and infrastructure engineers to automate training and monitoring using BI tools and write ETL pipelines to source data for model training from various sources.
• 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.
• 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.
• 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.
• 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.

Position

Position is 100% remote.

Salary

$194,834 per year.

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
• Raised 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

• 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.

About the Role

This notice is subject to Earnest LLC's employee referral program. Interested candidates can apply online at www.earnest.com/careers or send a resume to directrecruiting@earnest.com and reference job code 065. Contact Chayna Eno at people@earnest.com if you have questions or need information about this application.

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:

• Competitive days of annual PTO
• Competitive parental leave

Schedule

Position is 100% remote.

Qualifications

Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.