About Us

We believe financially responsible people deserve something better. That is why we strive to eliminate unnecessary costs from the system and offer our clients the lowest possible rates.

Why We Started Earnest

We are a team of math and computer nerds who love to use technology, not only to save you money, but to find different and better ways to do lending. We believe the purpose of all banks and lenders is to help their clients realize their hopes and dreams, but we are fed up with a financial system that has forgotten this primary purpose. We started Earnest to bring back the trust that is so sorely missing from the current financial system and to build a modern financial institution that actually delivers on the goal of making our clients’ lives better.

Whatever your dream, we help get you there. We do simple, low-cost lending to financially responsible people, and we allow them to customize their repayment experience to make it easier to pay us back. These loans are not for the most wealthy people. These are loans for great people. We want to help our clients start their lives, put them in control of their finances, realize their aspirations, and create a relationship with them that lasts a lifetime.

Who We Are

We are a skilled team of design, math, finance, and technology geeks who think differently about trust within the financial system and decided to do something about it. We started Earnest to build a finance company that combines rich data analytics, simple, functional design, and elegant software to bring people a fast, low-cost, and hyper-personalized experience. Our mission is to greatly enhance people’s lives by lowering the high costs and barriers to credit faced by millions of financially responsible people.

Louis Beryl

CEO

Benjamin Hutchinson

COO

Brian Romanko

CTO

Sarah Israel

CMO

Beth Stevens

General Counsel

Aaron Bailey

Design

Adam Sommer

Client Happiness

Alan Cooper

Marketing

Aldren Bormann

Client Happiness

Alexander Balgobin

Client Happiness

Alex Lockwood

Engineering

Amanda Meurer

Engineering

Amelia McBirney

People Ops

Analeise Mcgrew

Portfolio Risk

Andrew HoChoy

Engineering

Andrew Mitsch

Credit Ops

Andrew Schreiber

Engineering

Ariel Dugan

Client Happiness

Ashley Nair

People Ops

Binh Nguyen

Engineering

Brandon Humpert

Data

Brenda Li

Credit Ops

Bridget Brown

Client Happiness

Byron Callan

Engineering

Catherine New

Marketing

Colleen McCarty

People Ops

Connie Chang

Engineering

Craig Battin

Marketing

Dain Clarkin

Client Happiness

Dan Sheinis

Data

Dana Rosenberg

Partnerships

Daniel Demetri

Product

David Eade

Credit Ops

David Green

Credit Ops

David Moy

Credit Ops

David Zandman

Marketing

Deirdre Holub

Engineering

Delaney Lynch

Credit Ops

Elisabeth Sanders

Client Happiness

Elyse Lefebvre

Product

Elyse Vierra

Client Happiness

Emma Lenke

Client Happiness

Erin Kavanaugh

Client Happiness

Eugene Shin

People Ops

Evan Madow

Engineering

Hala Baig

Client Happiness & Marketing

Hannah Swann

Design

Hann Lindahl

Client Happiness

Harmeet Singh

Credit Ops

Harsha Yalamanchili

Engineering

Inigo Palileo

Engineering

Jamon Douglas

Engineering

Jane Dinh

Credit Ops

Jason James

Design

Jeffrey Crow

Research

Jeff Rosenberger

Product Strategy

Jen Scobie

Engineering

Jenny Twomey

Client Happiness

Jermain Gross

Credit Ops

Jesse Atkinson

Engineering

John Davidson

Credit Ops

John Hurliman

Data

Joshua Encarnacion

People Ops

Josh Hachadourian

Finance & Facilities

Julia Finn

Legal

Kai Hofius

Engineering

Kai Gardner

Client Happiness

Keith Schreer

Product

Keith Walewski

Portfolio Risk

Kenny Oyedeji

IT Operations

Kevin Wang

Product

Kevin Cheung

Credit Ops

Kimberly Maher

People Ops

Lee Fastenau

Engineering

Lian Chang

Design

Lindsay Aratani

Client Happiness

Logan Eldridge

Client Happiness

Lucia Villar

Operations

Maryum Styles

Engineering

Max Gustofson

Design

Meaghan Lewis

Engineering

Megan Christian

Facilities

Megan Gemoll

Finance

Melissa Doerken

Product

Mike Foley

Credit Ops

Napala Pratini

Marketing

Nicole Gonzalez

Client Happiness

Nimmi Deol

Finance

Olivia Kendall

Client Happiness

Patrick Augustin

Credit Ops

Patrick Stanley

Partnerships

Paul Williams

Capital Markets

Peter Espe

Data

Peter Nagel

Engineering

Peter Thompson

Client Happiness

Petr Odehnal

Engineering

Philip Hwang

Engineering

Priya Pai

Legal

Ramsey Nabahani

Capital Markets

Robyne de la Paz

Client Happiness

Rose Nguyen

Design

Ryan Bender

Client Happiness

Ryan Pon

Engineering

Ryan Yu

Credit Ops

Sahra Santosha

Client Happiness

Sam Ezadmanesh

Credit Ops

Sambit Behera

Product

Sandhya Rajan

Finance

Sandy Huynh

Facilities

Sarah Wiemero

People Ops

Scott Abramson

Marketing

Scott Tsuchiyama

Engineering

Scott Turnquest

Engineering

Sean MacRae

Data

Sharmaine Webb

People Ops

Shirley Huang

Client Happiness

Sierra Eschrich

People Ops

Sofia Nguy

Engineering

Spencer Creasey

Engineering

Stephanie Simon

Engineering

Tarik Covington

Credit Ops

Taya Dahl

Credit Ops

Tina Nguyen

People Ops

Tony Deweese

Marketing

Vivek Shah

Design

Vivien Lehman

Client Happiness

Walter Hubbard

People Ops

Wesley Goto

Client Happiness

Ying Li

Data

YuJay Huoh

Data

Our Investors

We are lucky enough to have the confidence of some of the best investors in the world including industry leading venture capital firms and a small group of visionary angels.