Prepare for and practice interview questions from Navient.

Navient Interview Questions

Navient Interview Guides

You are testing hundreds of hypotheses with many t-tests. What considerations should be made?

What is a key disadvantage of the F-test when compared to multiple t-tests?

What is a key disadvantage of the F-test when compared to multiple t-tests?

Hundreds of Hypotheses

You are testing hundreds of hypotheses with many t-tests. What considerations should be made?

In an A/B test, how can you check if assignment to the various buckets was truly random?

In an A/B test, which of the following is a common method to determine if the assignment to the test groups was truly random?

In an A/B test, which of the following is a common method to determine if the assignment to the test groups was truly random?

Random Bucketing

Suppose there exists a new airline named Jetco that flies domestically across North America. Jetco recently had a study commissioned that tested the boarding time of every airline, and it came out that Jetco had the fastest average boarding times of any airline.

What factors could have biased this result, and what would you look into?

What could potentially bias the average boarding time in favor of an airline that only flies domestically?

What could potentially bias the average boarding time in favor of an airline that only flies domestically?

Boarding Times Bias

A new airline came out as the fastest average boarding times compared to other airlines.  What factors could have biased this result and what would you look into?

Navient Salaries by Position

Take the wheel. Be a part of a humble and passionate team that’s driving the change in education finance.Applicants can learn more about their rights by viewing the federal “Know Your Rights” and pay transparency posters . For California Applicants Equal Opportunity Employer Race/Ethnicity/Sex/Disability/Protected Veterans/Sexual Orientation/Gender Identity We endeavor to make this site accessible to any and all users. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact us at recruiting@earnest.comWant to love where you work? Join our award-winning culture!We’re creating a workplace where Earnies feel inspired, engaged (ask about our survey scores), and empowered to do their best work – smart, fast, and without ego.<h3>Our Values</h3><h3>Earn Happy Customers</h3>Our customers’ journey is ours to share. Our success comes from anticipating their needs and providingthe solutions they’re looking for. This combination of empathy and action helps them become our best endorsers and biggest fans.<h3>Better is Better</h3>The path to great means getting better every day. We push ourselves, and each other, to remain curiousand think differently. We know the value of compounding and how continuous 1% improvement leads to massive changes. We are also willing to take big swings as we challenge the status quo.<h3>PhD in Moving Fast</h3>Our customers are tired of long wait times and large student loan bills so we constantly seek out waysto deliver faster. We refuse to waste time on things that don’t move the needle and we surprise teammates and customers with our speed.<h3>Passion for Challenges</h3>Perseverance and optimism are just the start to take on the inertia of a national trillion-dollar problem. Weenjoy tough challenges knowing that if we persist through them we will make a difference.<h3>Impact is a Team Sport</h3>We maximize our impact when we act as one team. We each play our part and put team successabove personal achievement. Earnies are willing to do what it takes to make the team better even though it may be uncomfortable for ourselves.<h3>Benefits and perks</h3>In addition to a competitive compensation plan, we offer our full-time employees:<h3>Remote-first flexibility</h3><h3>Monthly & annual remote work stipends</h3><h3>Robust 401k package</h3><h3>Annual company-wide offsites</h3><h3>And more</h3><h3>Employee Resource Groups</h3><h3>Celebrating community</h3>Express who you are and connect with fellow Earnies who support your values.
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Take the wheel. Be a part of a humble and passionate team that’s driving the change in education finance. Make a difference and love where you work. Want to love where you work? Join our award-winning culture! We’re creating a workplace where Earnies feel inspired, engaged, and empowered to do their best work – smart, fast, and without ego. <h3>Our Values</h3> <h3>Earn Happy Customers</h3> Our customers’ journey is ours to share. Our success comes from anticipating their needs and providing the solutions they’re looking for. This combination of empathy and action helps them become our best endorsers and biggest fans. <h3>Better is Better</h3> The path to great means getting better every day. We push ourselves, and each other, to remain curious and think differently. We know the value of compounding and how continuous 1% improvement leads to massive changes. We are also willing to take big swings as we challenge the status quo. <h3>PhD in Moving Fast</h3> Our customers are tired of long wait times and large student loan bills so we constantly seek out ways to deliver faster. We refuse to waste time on things that don’t move the needle and we surprise teammates and customers with our speed. <h3>Passion for Challenges</h3> Perseverance and optimism are just the start to take on the inertia of a national trillion-dollar problem. We enjoy tough challenges knowing that if we persist through them we will make a difference. <h3>Impact is a Team Sport</h3> We maximize our impact when we act as one team. We each play our part and put team success above personal achievement. Earnies are willing to do what it takes to make the team better even though it may be uncomfortable for ourselves. <h3>Benefits and perks</h3> In addition to a competitive compensation plan, we offer our full-time employees: <ol> <li>Remote-first flexibility</li> <li>Monthly & annual remote work stipends</li> <li>Robust 401k package</li> <li>Annual company-wide offsites</li> <li>And more</li> </ol> <h3>Employee Resource Groups</h3> <h3>Celebrating community</h3> Express who you are and connect with fellow Earnies who support your values.
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Take the wheel. Be a part of a humble and passionate team that’s driving the change in education finance.Make a difference and love where you work.Want to love where you work? Join our award-winning culture!CNBC recognized our commitment to supporting students and families on their journey to college and beyond. Join us.We’re creating a workplace where Earnies feel inspired, engaged (ask about our survey scores), and empowered to do their best work – smart, fast, and without ego.<h3>Our Values</h3><h3>Earn Happy Customers</h3>Our customers’ journey is ours to share. Our success comes from anticipating their needs and providing the solutions they’re looking for. This combination of empathy and action helps them become our best endorsers and biggest fans.<h3>Better is Better</h3>The path to great means getting better every day. We push ourselves, and each other, to remain curious and think differently. We know the value of compounding and how continuous 1% improvement leads to massive changes. We are also willing to take big swings as we challenge the status quo.<h3>PhD in Moving Fast</h3>Our customers are tired of long wait times and large student loan bills so we constantly seek out ways to deliver faster. We refuse to waste time on things that don’t move the needle and we surprise teammates and customers with our speed.<h3>Passion for Challenges</h3>Perseverance and optimism are just the start to take on the inertia of a national trillion-dollar problem. We enjoy tough challenges knowing that if we persist through them we will make a difference.<h3>Impact is a Team Sport</h3>We maximize our impact when we act as one team. We each play our part and put team success above personal achievement. Earnies are willing to do what it takes to make the team better even though it may be uncomfortable for ourselves.<h3>Benefits and perks</h3>In addition to a competitive compensation plan, we offer our full-time employees:<ol><li>Remote-first flexibility</li><li>Monthly & annual remote work stipends</li><li>Robust 401k package</li><li>Annual company-wide offsites</li><li>And more</li></ol><h3>Employee Resource Groups</h3><h3>Celebrating community</h3>Express who you are and connect with fellow Earnies who support your values.
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The Data Scientist II position will report to the Manager, Data Scientist.As the Data Scientist II, you will:<ol><li>Design and implement ETL pipelines to ingest data from operational systems, third-party sources, and public datasets into the data warehouse, transform existing data for user consumption, and source data for model training.</li><li>Extract data for model training from various sources, including data warehouses (e.g., Earnest, Navient), production databases, third-party providers, and publicly available datasets.</li><li>Prototype machine learning models by applying best practices in feature engineering, model selection, and validation, while writing efficient code using popular frameworks such as Scikit-learn, TensorFlow, and PyTorch.</li><li>Articulate to stakeholders the impact of the models and analyses through presentations and reports. Draft recommendations for stakeholders that would optimize the product and underwriting policies.</li></ol>Your Impact:<ol><li>You will be responsible for guiding product recommendations and model development. You will communicate analyses and results to the Data team backed by data and coupled with actionable conclusions to drive business decisions. This role will involve creating new analytical approaches and designing efficient data querying and modeling development.</li></ol>About You:<ol><li>Bachelor’s Degree in Computer Science, Data Science, Statistics, or a related field.</li><li>3 years of experience developing traditional machine learning models using Python and applying advanced algorithms.</li><li>2+ years of hands-on experience working with data warehouse systems such as Snowflake, Airflow, and DBT to support data-driven model development.</li><li>Willingness to travel to the Oakland office monthly to collaborate with other Earnies.</li></ol>Even Better:<ol><li>PhD in Machine Learning or a very related topic, or Master’s degree with equivalent experience with a minimum of 1-2 years of experience.</li></ol>Where:<ol><li>This role will be based in the San Francisco Bay Area.</li><li>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!</li></ol>
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<div>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:<ul><li>Private student loans - low rates, people-first service, and flexible payments.</li><li>Student loan refinancing - break free from high interest rates or monthly payments.</li><li>Scholarships - access to thousands of scholarships to help students pay less.</li></ul>Are you ready to be part of a team that plays a pivotal role in shaping the future of our organization? Welcome to the New Products Team! We're not just any team; we're at the core of innovation, experimentation, and entrepreneurial mindset. Think of the New Products team as an internal incubator; we craft products for the future.As Staff Software Engineer, New Products, you will:<ul><li>Architectural Excellence: Design and build systems that can quickly go from prototype to fully fleshed-out products.</li><li>Rapid Prototyping and Delivery: Move quickly, embracing agile methodologies to deliver minimum viable products (MVPs) and proof-of-concepts (PoCs) in short iterations, allowing us to rapidly validate ideas and pivot as needed.</li><li>Innovation Hub: We're not just keeping the lights on; we're constantly innovating. From exploring cutting-edge technologies to improving development workflows, innovation is in our DNA.</li></ul>Your Impact:<ul><li>Technical Leadership: You'll lead and influence technical decisions that impact the entire organization.</li><li>Collaboration: You'll work closely with cross-functional teams, from product development to data engineering.</li><li>Mentorship: As a senior member of the team, you'll have the chance to mentor and guide junior engineers.</li><li>Impact: Your contributions will directly impact the scalability, security, and reliability of our products and services.</li><li>Fast-Paced Environment: You'll work in a dynamic and rapidly evolving environment, where you'll have the opportunity to take on diverse projects, constantly learning and expanding your skillset. We value agility and the ability to pivot quickly to meet changing requirements.</li></ul>About You:<ul><li>7+ years of professional development experience</li><li>Professional experience in React Native and building mobile apps required</li><li>Experience with server-side concepts, e.g. microservices, database, caching, performance, monitoring and scalability</li><li>Extensive experience with modern Node.js preferred</li><li>Professional experience in React/Redux desirable</li><li>Relevant data modeling experience and integration with databases such as PostgresSQL</li><li>Strong understanding of distributed architecture patterns and microservice best practices</li><li>Knowledge of optimization techniques like caching, compression, performance tuning</li><li>Understanding of security best practices like encryption, access control, vulnerability management</li><li>Experience designing, building and maintaining cloud-based applications (e.g. AWS, GCP, Azure)</li><li>Willing to travel to the Oakland office monthly to collaborate with other Earnies</li></ul>Even Better:<ul><li>Experience working in Fintech, Banking, or related Consumer Financial Services companies is a plus</li></ul>Where:<ul><li>This role will be based in San Francisco, CA.</li><li>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 3 times a month for team collaboration and some fun. It's a chance to connect, share ideas, and maybe even some coffee together!</li></ul>About Us:What makes an “Earnie” culture:<ul><li>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.</li><li>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.</li><li>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.</li></ul>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:<ul><li>Health, Dental, & Vision benefits plus savings plans</li><li>Mac computers + work from home stipend to set up your home office</li><li>Monthly internet and phone reimbursement</li><li>Employee Stock Purchase Plan</li><li>RSUs</li><li>401(k) plan to help you save for retirement plus a company match</li><li>Robust tuition reimbursement program</li><li>$1,000 travel perk on each Earnie-versary to anywhere in the world</li><li>Competitive days of annual PTO</li><li>Annual “my day”</li><li>Pet insurance!</li><li>Competitive parental leave</li><li>Plenty of Earnest swag, optional in person team gatherings, picnics, celebrations, and plenty of fun virtual events</li></ul>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.#LI-NS1</div>
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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:
<ul>
<li>Private student loans - low rates, people-first service, and flexible payments.</li>
<li>Student loan refinancing - break free from high-interest rates or monthly payments.</li>
<li>Scholarships - access to thousands of scholarships to help students pay less.</li>
</ul>
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!
As a Senior Software Engineer on the Growth Experience team, you will:
<ul>
<li>Drive the end-to-end implementation of Growth-focused A/B tests and experiments to optimize the user journey, increase conversion rates, and enhance customer retention.</li>
<li>Instrument code to fire analytics events (e.g., Amplitude) and work closely with Product and Data teams to ensure proper instrumentation, enabling high-quality data for decision-making.</li>
<li>Build and maintain performance-focused front-end and back-end features, prioritizing SEO, accessibility, and load times on our public-facing website.</li>
<li>Conduct code reviews and ensure high standards of code quality and maintainability across the team.</li>
<li>Rapidly experiment and develop new features to enhance user engagement, support business goals, and improve product metrics.</li>
<li>Support the Marketing team by developing self-service features, assisting with new page layouts, and creating additional CMS blocks.</li>
<li>Collaborate on the continuous improvement of our experimentation framework, enhancing automation, tracking accuracy, and reporting processes.</li>
<li>Troubleshoot and optimize code and processes to reduce friction points in the product funnel and increase the velocity of experimentation.</li>
</ul>
About You:
<ul>
<li>5+ years of professional development experience, with a strong background in full-stack development, ideally within Growth or Product Engineering.</li>
<li>Proven experience with A/B testing tools (such as Optimizely, Google Optimize, or similar) and analytics platforms (like Google Analytics, Amplitude, or Mixpanel).</li>
<li>Skilled in JavaScript, React, and Node.js (or comparable front- and back-end frameworks), with a focus on performance and scalability.</li>
<li>Experience with SQL or similar querying languages, enabling you to pull and analyze data directly.</li>
<li>Proficient in Typescript, enabling you to build safer and more reliable code.</li>
<li>Strong collaboration skills and the ability to work in fast-paced environments where iterative improvements and rapid testing cycles are essential.</li>
<li>Willingness to travel to the Oakland office monthly to collaborate with other Earnies.</li>
</ul>
Even Better:
<ul>
<li>Previous experience in a fintech or similarly regulated environment.</li>
<li>Familiarity with headless CMS platforms, such as Storyblok, Contentful, or other comparable tools.</li>
<li>Experience with server-side testing methodologies and experimentation within server-rendered applications.</li>
<li>Background in user research and behavior analysis to deeply understand and act on user pain points.</li>
<li>Exposure to CI/CD and deployment practices for smooth, safe, and efficient experiment rollouts.</li>
</ul>
Where:
<ul>
<li>This role will be based in the San Francisco Bay Area.</li>
<li>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!</li>
</ul>
#LI-NG1
#J-18808-Ljbffr

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 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 As a Senior Software Engineer on the Growth Experience team, you will: Drive the end-to-end implementation of Growth-focused A/B tests and experiments to optimize the user journey, increase conversion rates, and enhance customer retention. Instrument code to fire analytics events (e.g., Amplitude) and work closely with Product and Data teams to ensure proper instrumentation, enabling high-quality data for decision-making. Build and maintain performance-focused front-end and back-end features, prioritizing SEO, accessibility, and load times on our public-facing website. Conduct code reviews and ensure high standards of code quality and maintainability across the team. Rapidly experiment and develop new features to enhance user engagement, support business goals, and improve product metrics. Support the Marketing team by developing self-service features, assisting with new page layouts, and creating additional CMS blocks. Collaborate on the continuous improvement of our experimentation framework, enhancing automation, tracking accuracy, and reporting processes. Troubleshoot and optimize code and processes to reduce friction points in the product funnel and increase the velocity of experimentation. About You: A strong background in full-stack development, ideally within Growth or Product Engineering. Proven experience with A/B testing tools (such as Optimizely, Google Optimize, or similar) and analytics platforms (like Google Analytics, Amplitude, or Mixpanel). Skilled in JavaScript, React, and Node.js (or comparable front- and back-end frameworks), with a focus on performance and scalability. Experience with SQL or similar querying languages, enabling you to pull and analyze data directly. Proficient in Typescript, enabling you to build safer and more reliable code. Strong collaboration skills and the ability to work in fast-paced environments where iterative improvements and rapid testing cycles are essential. Willingness to travel to the Oakland office monthly to collaborate with other Earnies. Even Better: Previous experience in a fintech or similarly regulated environment. Familiarity with headless CMS platforms, such as Storyblok, Contentful, or other comparable tools. Experience with server-side testing methodologies and experimentation within server-rendered applications. Background in user research and behavior analysis to deeply understand and act on user pain points. Exposure to CI/CD and deployment practices for smooth, safe, and efficient experiment rollouts. Where: This role will be based in the San Francisco Bay Area. 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 LI-NG1 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 $189,000—$214,000 USD 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” 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. 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.

Earnests 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.Are you ready to be part of a team that plays a pivotal role in shaping the future of our organization? Welcome to the New Products Team! We're not just any team; we're at the core of innovation, experimentation, and entrepreneurial mindset. Think of the New Products team as an internal incubator; we craft products for the future.As Senior Software Engineer, New Products, you will:Architectural Excellence: Design and build systems that can quickly go from prototype to fully fleshed-out products.Rapid Prototyping and Delivery: Move quickly, embracing agile methodologies to deliver minimum viable products (MVPs) and proof-of-concepts (PoCs) in short iterations, allowing us to rapidly validate ideas and pivot as needed.Innovation Hub: We're not just keeping the lights on; we're constantly innovating. From exploring cutting-edge technologies to improving development workflows, innovation is in our DNA.Your Impact:Technical Leadership: You'll lead and influence technical decisions that impact the entire organization.Collaboration: You'll work closely with cross-functional teams, from product development to data engineering.Mentorship: As a senior member of the team, you'll have the chance to mentor and guide junior engineers.Impact: Your contributions will directly impact the scalability, security, and reliability of our products and services.Fast-Paced Environment: You'll work in a dynamic and rapidly evolving environment, where you'll have the opportunity to take on diverse projects, constantly learning and expanding your skillset. We value agility and the ability to pivot quickly to meet changing requirements.About You:5+ years of professional development experienceProfessional experience in React Native and building mobile apps requiredExperience with server-side concepts, e.g. microservices, database, caching, performance, monitoring and scalabilityExtensive experience with modern Node.js preferredProfessional experience in React/Redux desirableRelevant data modeling experience and integration with databases such as PostgresSQLStrong understanding of distributed architecture patterns and microservice best practicesKnowledge of optimization techniques like caching, compression, performance tuningUnderstanding of security best practices like encryption, access control, vulnerability managementExperience designing, building and maintaining cloud-based applications (e.g. AWS, GCP, Azure)Willing to travel to the Oakland office monthly to collaborate with other EarniesEven Better:Experience working in Fintech, Banking, or related Consumer Financial Services companies is a plusWhere:This role will be based in the San Francisco Bay Area, CA.While youll 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 teams 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 youre as passionate as we are about our mission, read more below, and lets 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 plansMac computers + work from home stipend to set up your home officeMonthly internet and phone reimbursementEmployee Stock Purchase PlanRSUs401(k) plan to help you save for retirement plus a company matchRobust tuition reimbursement program$1,000 travel perk on each Earnie-versary to anywhere in the worldCompetitive days of annual PTOAnnual my dayPet insurance!Competitive parental leavePlenty of Earnest swag, optional in person team gatherings, picnics, celebrations, and plenty of fun virtual eventsAt 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.#J-18808-Ljbffr

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: <ul> <li>Private student loans - low rates, people-first service, and flexible payments. </li><li>Student loan refinancing - break free from high-interest rates or monthly payments. </li><li>Scholarships - access to thousands of scholarships to help students pay less. </li></ul>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! Are you ready to be part of a team that plays a pivotal role in shaping the future of our organization? Welcome to the New Products Team! We're not just any team; we're at the core of innovation, experimentation, and entrepreneurial mindset. Think of the New Products team as an internal incubator; we craft products for the future. As Staff Software Engineer, New Products, you will: <ul> <li>Architectural Excellence: Design and build systems that can quickly go from prototype to fully fleshed-out products. </li> <li>Rapid Prototyping and Delivery: Move quickly, embracing agile methodologies to deliver minimum viable products (MVPs) and proof-of-concepts (PoCs) in short iterations, allowing us to rapidly validate ideas and pivot as needed. </li><li>Innovation Hub: We're not just keeping the lights on; we're constantly innovating. From exploring cutting-edge technologies to improving development workflows, innovation is in our DNA. </li></ul>Your Impact: <ul> <li>Technical Leadership: You'll lead and influence technical decisions that impact the entire organization. </li> <li>Collaboration: You'll work closely with cross-functional teams, from product development to data engineering. </li> <li>Mentorship: As a senior member of the team, you'll have the chance to mentor and guide junior engineers. </li><li>Impact: Your contributions will directly impact the scalability, security, and reliability of our products and services. </li><li>Fast-Paced Environment: You'll work in a dynamic and rapidly evolving environment, where you'll have the opportunity to take on diverse projects, constantly learning and expanding your skillset. We value agility and the ability to pivot quickly to meet changing requirements. </li></ul>About You: <ul> <li>7+ years of professional development experience </li><li>Experience with server-side concepts, e.g. microservices, database, caching, performance, monitoring and scalability </li><li>Extensive experience with modern Node.js preferred </li><li>Professional experience in React/Redux desirable </li> <li>Relevant data modeling experience and integration with databases such as PostgresSQL </li><li>Strong understanding of distributed architecture patterns and microservice best practices </li><li>Knowledge of optimization techniques like caching, compression, performance tuning </li><li>Understanding of security best practices like encryption, access control, vulnerability management </li><li>Experience designing, building and maintaining cloud-based applications (e.g. AWS, GCP, Azure) </li><li>Willing to travel to the Oakland office monthly to collaborate with other Earnies </li></ul>Even Better: <ul> <li>Experience working in Fintech, Banking, or related Consumer Financial Services companies is a plus </li></ul>Where: <ul> <li>This role will be based in the San Francisco Bay Area, CA. </li><li>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! </li></ul>#LI-NS1 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 $223,000-$254,000 USD Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including: <ul> <li>Health, Dental, & Vision benefits plus savings plans </li><li>Mac computers + work-from-home stipend to set up your home office </li><li>Monthly internet and phone reimbursement </li><li>Employee Stock Purchase Plan </li><li>Restricted Stock Units (RSUs) </li><li>401(k) plan to help you save for retirement plus a company match </li><li>Robust tuition reimbursement program </li><li>$1,000 travel perk on each Earnie-versary to anywhere in the world </li> <li>Competitive days of annual PTO </li><li>Competitive parental leave </li></ul>What makes an "Earnie" culture: <ul><li>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. </li><li>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. </li><li>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. </li> </ul> 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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