Senior Capital Markets Analyst

Summary

Join Earnest as a Senior Capital Markets Analyst and contribute to our mission of making higher education more accessible and affordable. Reporting to the VP, Capital Markets, you will build and improve data infrastructure, collaborate with cross-functional teams, manage financial assets, assist in ABS issuance and loan sales, and monitor market trends. This role requires 3+ years of experience in a data-driven finance role with exposure to capital markets and strong analytical and communication skills. The position offers a competitive salary, comprehensive benefits, and the opportunity to work remotely or in the San Francisco Bay Area. Earnest values a culture of drivers, humility, and growth mindset. We are committed to diversity, inclusion, equity, and belonging.

Requirements

• 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
• 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

Responsibilities

• 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
• 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
• 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
• 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
• 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

Preferred Qualifications

• 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

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
• 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