2,178 Oversight Manager jobs in the United States

**Summary**
Neuberger Berman Trust Company N.A. and Neuberger Berman Trust Company of Delaware N.A. (collectively referred to as the "Trust Companies") are seeking a skilled and experienced Trust Investment Oversight Officer to join our team. The Trust Companies support the Private Wealth Management, Institutional, and Intermediary businesses of the firm, managing a diverse range of accounts, including Personal Trusts, Collective Investment Trusts (CITs), and Outsourced Chief Investment Officer (OCIO) clients, such as endowments, foundations, and pension funds.
The Trust Companies administer $13.1 billion in assets, generating $6 million in annual revenue. This role will report dually to Sam Petrucci, Head of Advice, Planning & Fiduciary Services, and Shannon Saccocia, Chief Investment Officer - Wealth.
The Trust Investment Oversight Officer will serve as the primary liaison between the Trust Companies and the investment managers responsible for overseeing client portfolios. This pivotal role ensures compliance with legal and regulatory standards, monitors investment performance, and evaluates portfolio construction on behalf of Trust Officers.
**Responsibilities**
The Trust Investment Oversight Officer will manage the oversight of investments held within relationships serviced by the Trust Companies. Key responsibilities include:
+ Drafting, documenting, and ensuring adherence to Investment Policy Statements (IPSs) for all Trust Company accounts
+ Acting as the liaison to investment managers, including representatives from Neuberger Berman Investment Advisers (NBIA), to share updated IPSs, coordinate rebalancing requests, and communicate relevant changes to asset management strategies
+ Ensuring timely valuation updates and thorough reviews of public and private assets, particularly those that are difficult to value, held within Trust Company accounts
+ Working closely with investment teams to periodically review securities excluded from approved lists, securities presenting potential conflicts of interest, and asset concentrations
+ Overseeing and documenting the annual investment review process on behalf of Trust Officers and preparing detailed documentation for Trust Company board meetings
+ Partnering with internal stakeholders to assess and improve processes in accordance with Office of the Comptroller of the Currency (OCC) guidelines
**Qualifications**
+ 6-9 years of relevant trust-related experience
+ Strong investment expertise, including proficiency in asset allocation, asset location, and portfolio construction
+ A solid understanding of trust and estate planning is highly desirable
+ Exceptional written and verbal communication skills
+ A collaborative team player dedicated to continuous improvement.
+ Demonstrated ability to work empathetically and constructively with internal stakeholders
+ Commitment to fostering a culture centered on client focus, excellence, integrity, teamwork, innovation, and open dialogue
This role offers a unique opportunity for a motivated and skilled professional to join a high-performing team, drive meaningful impact, and contribute to the success of a well-established organization.
#LI-JG3
#LI-Hybrid
Compensation Details
The salary range for this role is 125,000- 175,000. This is the lowest to highest salary we in good faith believe we would pay for this role at the time of this posting. We may ultimately pay more or less than the posted range, and the range may be modified in the future. This range is only applicable for jobs to be performed in the job posting location. An employee's pay position within the salary range will be based on several factors including, but limited to, relevant education, qualifications, certifications, experience, skills, seniority, geographic location, business sector, performance, shift, travel requirements, sales or revenue-based metrics, market benchmarking data, any collective bargaining agreements, and business or organizational needs. This job is also eligible for a discretionary bonus, which, along with base salary and retirement contributions, is part of our total comprehensive package. We offer a comprehensive package of benefits including paid time off, medical/dental/vision insurance, 401(k), life insurance and other benefits to eligible employees.
**Note: No amount of pay is considered to be wages or compensation until such amount is earned, vested, and determinable. The amount and availability of any bonus, commission, production, or any other form of compensation that are allocable to a particular employee remains in the Company's sole discretion unless and until paid and may be modified at the Company's sole discretion, consistent with the law.**
_Neuberger Berman is an equal_ _opportunity_ _employer. The Firm and its affiliates do not discriminate in employment because of race, creed, national origin, religion, age, color, sex, marital status, sexual orientation, gender identity, disability, citizenship status or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. If you would like to contact us regarding the accessibility of our website or need assistance completing the application process, please contact_ _._
_Learn about the Applicant Privacy Notice ( ._
Founded in 1939, Neuberger Berman is a private, independent, employee-owned investment manager. From offices in 39 cities worldwide, the firm manages 515 billion in client assets (as of March 31, 2025) across a range of strategies-including equity, fixed income, quantitative and multi-asset class, private equity and hedge funds-on behalf of institutions, advisors and individual investors globally.
Tenured, stable and long-term in focus, the firm has built a diverse team-including 760-plus investment professionals and more than 2,800 employees in total-united in their commitment to delivering client outcomes and investment excellence. It is our people who define our culture and have enabled us to be recognized by _Pensions & Investments_ as the first or second "Best Place to Work in Money Management" for last eight consecutive years (firms with 1,000+ employees).
Neuberger Berman believes strongly that all employees are entitled to be treated with respect and dignity, and to work in a professional and safe environment. These values are the cornerstone of our firm. We prohibit any form of harassment, whether mental, verbal or physical. We do not tolerate the support of terrorist groups, acts of terrorism, or threats of violence. All who wish to be employed by the firm are expected to uphold these principles.
For important disclosures:

Must-Have Skills:

• Strong acumen in Technology, Data, Business, and/or Finance
• Senior management experience in banking, tech, operations, risk management, or regulatory agencies
• Hands-on experience in data management, governance, analytics, testing, and/or risk management
• Solid understanding of risk and controls frameworks
• Excellent problem solving, critical thinking, leadership, and influencing skills
• Strong interpersonal and communication abilities
• Change leadership experience
• Familiarity with data compliance laws, rules, and regulations

Experience dealing with third-party vendors

**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 Credit Oversight Manager will report to the Head of Credit Risk.**
**As the Senior Credit Oversight Manager, you will:**
+ Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite.
+ Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
+ Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
+ Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
+ Independently validate models to ensure they are conceptually sound and perform as intended.
+ Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
+ Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
+ Present results with insights on trends and drivers.
+ Communicate forecast results, insights, and recommendations to leadership and business partners.
+ Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
**About You:**
+ 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
+ 5+ years of experience in SQL and/or Python programming for data analysis and model development
+ Strong business acumen in lending products and sophisticated risk data analysis
+ In-depth understanding of model risk governance frameworks
+ A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
+ Excellent communication and presentation skills
+ Knowledge of applicable laws and regulations governing the lending industry
+ Experience in Business Intelligence / Reporting tools such as Looker or Tableau
**Even Better:**
+ Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
+ Expertise in statistical models
+ Expertise in Excel and Google Slides
+ Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
+ Ability to prioritize and multitask on various projects
+ Ability to methodically execute complex analytical processes accurately and efficiently
+ Intellectual curiosity, critical thinking, and problem-solving skills
+ Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
+ Strong ownership and ability to collaborate well with business partners
**Where:**
+ This role will be based in the US.
#LI-KB1
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
$180,000-$15,000 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:**
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
+ **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.
**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._

**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 Credit Oversight Manager will report to the Head of Credit Risk.**
**As the Senior Credit Oversight Manager, you will:**
+ Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite.
+ Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
+ Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
+ Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
+ Independently validate models to ensure they are conceptually sound and perform as intended.
+ Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
+ Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
+ Present results with insights on trends and drivers.
+ Communicate forecast results, insights, and recommendations to leadership and business partners.
+ Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
**About You:**
+ 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
+ 5+ years of experience in SQL and/or Python programming for data analysis and model development
+ Strong business acumen in lending products and sophisticated risk data analysis
+ In-depth understanding of model risk governance frameworks
+ A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
+ Excellent communication and presentation skills
+ Knowledge of applicable laws and regulations governing the lending industry
+ Experience in Business Intelligence / Reporting tools such as Looker or Tableau
**Even Better:**
+ Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
+ Expertise in statistical models
+ Expertise in Excel and Google Slides
+ Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
+ Ability to prioritize and multitask on various projects
+ Ability to methodically execute complex analytical processes accurately and efficiently
+ Intellectual curiosity, critical thinking, and problem-solving skills
+ Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
+ Strong ownership and ability to collaborate well with business partners
**Where:**
+ This role will be based in the US.
#LI-KB1
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
$180,000-$15,000 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:**
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
+ **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.
**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._

**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 Credit Oversight Manager will report to the Head of Credit Risk.**
**As the Senior Credit Oversight Manager, you will:**
+ Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite.
+ Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
+ Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
+ Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
+ Independently validate models to ensure they are conceptually sound and perform as intended.
+ Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
+ Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
+ Present results with insights on trends and drivers.
+ Communicate forecast results, insights, and recommendations to leadership and business partners.
+ Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
**About You:**
+ 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
+ 5+ years of experience in SQL and/or Python programming for data analysis and model development
+ Strong business acumen in lending products and sophisticated risk data analysis
+ In-depth understanding of model risk governance frameworks
+ A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
+ Excellent communication and presentation skills
+ Knowledge of applicable laws and regulations governing the lending industry
+ Experience in Business Intelligence / Reporting tools such as Looker or Tableau
**Even Better:**
+ Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
+ Expertise in statistical models
+ Expertise in Excel and Google Slides
+ Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
+ Ability to prioritize and multitask on various projects
+ Ability to methodically execute complex analytical processes accurately and efficiently
+ Intellectual curiosity, critical thinking, and problem-solving skills
+ Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
+ Strong ownership and ability to collaborate well with business partners
**Where:**
+ This role will be based in the US.
#LI-KB1
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
$180,000-$15,000 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:**
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
+ **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.
**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._

**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 Credit Oversight Manager will report to the Head of Credit Risk.**
**As the Senior Credit Oversight Manager, you will:**
+ Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite.
+ Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
+ Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
+ Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
+ Independently validate models to ensure they are conceptually sound and perform as intended.
+ Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
+ Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
+ Present results with insights on trends and drivers.
+ Communicate forecast results, insights, and recommendations to leadership and business partners.
+ Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
**About You:**
+ 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
+ 5+ years of experience in SQL and/or Python programming for data analysis and model development
+ Strong business acumen in lending products and sophisticated risk data analysis
+ In-depth understanding of model risk governance frameworks
+ A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
+ Excellent communication and presentation skills
+ Knowledge of applicable laws and regulations governing the lending industry
+ Experience in Business Intelligence / Reporting tools such as Looker or Tableau
**Even Better:**
+ Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
+ Expertise in statistical models
+ Expertise in Excel and Google Slides
+ Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
+ Ability to prioritize and multitask on various projects
+ Ability to methodically execute complex analytical processes accurately and efficiently
+ Intellectual curiosity, critical thinking, and problem-solving skills
+ Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
+ Strong ownership and ability to collaborate well with business partners
**Where:**
+ This role will be based in the US.
#LI-KB1
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
$180,000-$15,000 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:**
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
+ **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.
**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._

**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 Credit Oversight Manager will report to the Head of Credit Risk.**
**As the Senior Credit Oversight Manager, you will:**
+ Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite.
+ Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
+ Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
+ Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
+ Independently validate models to ensure they are conceptually sound and perform as intended.
+ Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
+ Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
+ Present results with insights on trends and drivers.
+ Communicate forecast results, insights, and recommendations to leadership and business partners.
+ Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
**About You:**
+ 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
+ 5+ years of experience in SQL and/or Python programming for data analysis and model development
+ Strong business acumen in lending products and sophisticated risk data analysis
+ In-depth understanding of model risk governance frameworks
+ A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
+ Excellent communication and presentation skills
+ Knowledge of applicable laws and regulations governing the lending industry
+ Experience in Business Intelligence / Reporting tools such as Looker or Tableau
**Even Better:**
+ Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
+ Expertise in statistical models
+ Expertise in Excel and Google Slides
+ Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
+ Ability to prioritize and multitask on various projects
+ Ability to methodically execute complex analytical processes accurately and efficiently
+ Intellectual curiosity, critical thinking, and problem-solving skills
+ Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
+ Strong ownership and ability to collaborate well with business partners
**Where:**
+ This role will be based in the US.
#LI-KB1
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
$180,000-$15,000 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:**
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
+ **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.
**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._

**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 Credit Oversight Manager will report to the Head of Credit Risk.**
**As the Senior Credit Oversight Manager, you will:**
+ Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite.
+ Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
+ Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
+ Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
+ Independently validate models to ensure they are conceptually sound and perform as intended.
+ Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
+ Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
+ Present results with insights on trends and drivers.
+ Communicate forecast results, insights, and recommendations to leadership and business partners.
+ Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
**About You:**
+ 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
+ 5+ years of experience in SQL and/or Python programming for data analysis and model development
+ Strong business acumen in lending products and sophisticated risk data analysis
+ In-depth understanding of model risk governance frameworks
+ A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
+ Excellent communication and presentation skills
+ Knowledge of applicable laws and regulations governing the lending industry
+ Experience in Business Intelligence / Reporting tools such as Looker or Tableau
**Even Better:**
+ Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
+ Expertise in statistical models
+ Expertise in Excel and Google Slides
+ Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
+ Ability to prioritize and multitask on various projects
+ Ability to methodically execute complex analytical processes accurately and efficiently
+ Intellectual curiosity, critical thinking, and problem-solving skills
+ Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
+ Strong ownership and ability to collaborate well with business partners
**Where:**
+ This role will be based in the US.
#LI-KB1
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
$180,000-$15,000 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:**
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
+ **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.
**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._

**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 Credit Oversight Manager will report to the Head of Credit Risk.**
**As the Senior Credit Oversight Manager, you will:**
+ Ensure credit policies are appropriately designed, implemented, and updated to manage risk in alignment with the company's risk appetite.
+ Ensure adherence to regulatory requirements, internal risk management frameworks, and corporate governance standards related to credit practices.
+ Partner with the Data Science team to develop and maintain loss forecasting models for the various lending portfolios generated by Earnest.
+ Incorporate macroeconomic conditions in the forecast and partner with strategy owners to apply quantitative and qualitative overlays as needed.
+ Independently validate models to ensure they are conceptually sound and perform as intended.
+ Maintain comprehensive model risk management policies, procedures, and standards in line with regulatory expectations.
+ Conduct monthly monitoring of loan performance for each of our loan products at vintage and portfolio levels.
+ Present results with insights on trends and drivers.
+ Communicate forecast results, insights, and recommendations to leadership and business partners.
+ Develop modeling and diligence materials to support the execution of business transactions and provide analysis results to management, investors, and external ratings agencies.
**About You:**
+ 7+ years of experience in developing or validating risk or loss forecasting statistical models, and credit analytics
+ 5+ years of experience in SQL and/or Python programming for data analysis and model development
+ Strong business acumen in lending products and sophisticated risk data analysis
+ In-depth understanding of model risk governance frameworks
+ A proven track record of delivering strong business results in a matrix environment through ownership, innovation, collaboration, and influence
+ Excellent communication and presentation skills
+ Knowledge of applicable laws and regulations governing the lending industry
+ Experience in Business Intelligence / Reporting tools such as Looker or Tableau
**Even Better:**
+ Strong SQL and Python skills to pull data, conduct data analysis, and develop risk or loss forecast models
+ Expertise in statistical models
+ Expertise in Excel and Google Slides
+ Strong verbal and written communication and presentation skills; ability to create clear and concise documentation and explain methodologies and findings to business partners
+ Ability to prioritize and multitask on various projects
+ Ability to methodically execute complex analytical processes accurately and efficiently
+ Intellectual curiosity, critical thinking, and problem-solving skills
+ Willingness and interest in independently learning and researching new or better possible ways to solve analytical problems or achieve business goals
+ Strong ownership and ability to collaborate well with business partners
**Where:**
+ This role will be based in the US.
#LI-KB1
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
$180,000-$15,000 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:**
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
+ **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.
**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._