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!
The Senior Capital Markets Analyst position will report to VP, Capital Markets.
As the Sr. Capital Markets Data Analyst, you will:
- Infrastructure Development (40%):
- Build and improve infrastructure by developing tools, models, databases, and reports that support pricing, valuation, and marketing of our products.
- Contribute to the development of financial models that assess product value (unit economics) and support external investor engagement for securitized ABS or loan sales.
- Cross-Functional Collaboration (30%):
- Work closely with internal teams (Data & Analytics, Lending, Product, Risk, Legal, Finance) to assess downstream impacts of Capital Markets activities.
- Perform ad-hoc analyses and support strategic decision-making by senior management.
- Risk Management & Monitoring (10%):
- Report and monitor financial assets on-balance sheet, including ABS, loans, and hedge strategies.
- Support hedge execution as needed and ensure compliance with internal risk protocols.
- Strategic Execution (10%):
- Assist in ABS issuance, loan sale partnerships, and related front-office activities, including preparing loan tapes, slide decks, and investor materials.
- Manage relationships with third parties such as investment banks, rating agencies, auditors, and investors.
- Participate in and organize due diligence processes, ensuring clear communication with external and internal stakeholders.
- Market Monitoring & Optimization (10%):
- Stay on top of market trends to identify opportunities, optimize processes, and execute transactions that create value.
- Enhance process efficiency to reduce costs and improve speed.
About You:
- 3+ years of experience in a data-driven finance role, with exposure to Capital Markets, securitization, trading, risk, or structured products.
- Fluent in SQL and VBA (bonus points for Python or other programming languages).
- Hands-on experience with BI tools like Looker, Tableau, or PowerBI.
- Deep knowledge of financial modeling, fixed income products, bond math, and risk factors.
- Strong communication skills—you're great at breaking down complex topics for senior leadership, cross-functional teams, and external partners.
- Comfortable working in a fast-paced, high-stakes environment where adaptability and problem-solving are key.
Even Better:
- Experience working with investment banks, rating agencies, auditors, and investors.
- Background in ABS structuring, quantitative analysis, or risk modeling.
- Familiarity with due diligence processes and investor relations.
Where:
- This role will be based in the San Francisco Bay Area or Remote in the US, with the majority of work during EST hours.
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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.
Pay Range
$147,000—$183,000 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.
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