General Manager, Lending

About the Role

Key Responsibilities

• Take ownership of the P&L for one of Earnest's core, high-growth lending products, reporting directly to Earnest's Head of Lending, on the Executive Team.
• Lead and work closely with a cross-functional team spanning Product, Design, Engineering, Marketing, Operations, Data & Analytics, Risk, Pricing, and Capital Markets to drive growth and achieve annual goals.
• Take full ownership of the customer journey, from Origination to Servicing, ensuring a seamless and impactful experience.
• Shape and execute a multi-year vision and strategy to scale the business, effectively communicating both short- and long-term goals while driving profitability and managing key product KPIs such as NPS, NIM, CAC, and funnel conversion.
• Collaborate with Affiliate/Partnerships and Marketing teams to identify, develop, and secure high-impact strategic partnerships and alliances that fuel growth.
• Lead the growth and performance of the business, taking full ownership of the P&L.
• Define and refine the overarching strategy to drive success and scalability.
• Align and manage a cross-functional team to achieve strategic goals and deliver measurable outcomes.
• Drive key product initiatives from ideation to successful execution.

Requirements

• 10+ years of demonstrated experience in product management, product development, finance, and/or general management.
• Financial services experience is required, with a focus on consumer lending (credit cards, personal loans, or student lending) considered a plus.
• 4-6 years of experience as a strategic critical thought leader partnering with business owners to define and translate needs into business requirements and product solutions.
• 4-6 years of project management experience leading large, complex organizational initiatives.
• Proven success managing high-performing, cross-functional teams and business units.
• Experience managing a growth P&L.
• Strong people management and emotional intelligence to set the tone for the team and drive results within a positive work environment.
• Data-driven decision-making skills, strong analytics, and common sense.
• Creative problem-solving approach.
• MBA preferred.

Nice to Have

• Experience in consumer lending such as credit cards, personal loans, or student lending.

Qualifications

• Bachelor's degree (implied, as an MBA is preferred).

Benefits & Perks

• Health, Dental, & Vision benefits plus savings plans.
• Mac computers and work-from-home stipend.
• Monthly internet and phone reimbursement.
• Employee Stock Purchase Plan and Restricted Stock Units (RSUs).
• 401(k) plan with company match.
• Robust tuition reimbursement program.
• $1,000 travel perk on each Earnie-versary.
• Competitive days of annual PTO and parental leave.