About Us

We believe many financially responsible people aren’t getting the credit they deserve. That’s why we strive to eliminate unnecessary costs from the banking process and offer our clients the low rates they deserve.

Why We Started Earnest

We believe the fundamental role of banks and lenders is to help people realize their hopes and dreams. But we realized the financial system had forgotten this primary purpose, instead serving to enrich a privileged few. So we started Earnest to restore the trust that is sorely missing from the current system, and to build a modern financial institution that actually delivers on making clients’ lives better.

Whatever your ambition, we help get you there. We do low-cost lending to financially responsible people, and allow them to customize their repayment plan to fit their needs. We want to help our clients take control of their finances and realize their dreams—and in doing so 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 noticed a lack of trust in the financial system and decided to do something about it. We created a company that combines data science, streamlined design, and exceptional service to bring people a fast, low-cost, and hyper-personalized financial experience. Our mission is to make credit more accessible by reducing the costs and barriers faced by millions of financially responsible people.

Louis Beryl

CEO & Founder

Benjamin Hutchinson

COO & Founder

Brian Romanko

Chief Technology Officer

Beth Stevens

General Counsel

Sarah Israel

Chief Marketing Officer

Gian Gonzaga

Chief Data Officer

Kamal Hamdan

Chief Risk Officer

Aaron B.

Design

Abby C.

People Ops

Akin O.

Engineering

Aldren B.

Client Happiness

Alex C.

Data

Amanda M.

Data

Amelia M.

People Ops

Analeise M.

Portfolio Risk

Andrew H.

Engineering

Andrew K.

Engineering

Andrew M.

Credit Ops

Andrew S.

Engineering

Ann C.

Portfolio Risk

Annie L.

Finance

Ariel D.

Client Happiness

Binh N.

Engineering

Brenda L.

Credit Ops

Brydie F.

Client Happiness

Carrie S.

Data

Catherine N.

Marketing

Chelsea R.

Client Happiness

Colleen M.

People Ops

Craig B.

Marketing

Dan S.

Data

Dana R.

Partnerships

Daniel D.

Product Management

David G.

Credit Ops

David M.

Credit Ops

David W.

Operations

David Z.

Marketing

Deirdre H.

Engineering

Delaney L.

Credit Ops

Dolly Y.

Finance

Edith S.

Credit Ops

Elisabeth S.

Client Happiness

Elyse L.

Product Management

Elyse V.

Client Happiness

Emma L.

Client Happiness

Evan M.

Engineering

Gavin H.

Engineering

Hala B.

Client Happiness & Marketing

Harmeet S.

Credit Ops

Harsha Y.

Engineering

Howard L.

Engineering

Inigo P.

Engineering

Jack C.

Portfolio Risk

Jamie Q.

Credit Ops

Jamon D.

Engineering

Jane D.

Credit Ops

Jason W.

Business Ops

Jeff R.

Product Strategy

Jen S.

Engineering

Jenny K.

Design

Jenny T.

Client Happiness

Jermain G.

Credit Ops

Jesse A.

Engineering

John A.

Engineering

John D.

Credit Ops

Jorge T.

Partnerships

Josh H.

Finance & Facilities

Julia F.

Legal

Kai G.

Client Happiness

Keith S.

Product Management

Keith W.

Portfolio Risk

Kenny O.

IT Operations

Ken Y.

Product Management

Kevin W.

Product Management

Kevin C.

Credit Ops

Lauren B.

People Ops

Lee F.

Engineering

Lian C.

Design

Lindsay A.

Client Happiness

Lindsay K.

Finance

Logan E.

Client Happiness

Lucas S.

Design

Lucia V.

Operations

Mark E.

Engineering

Matjaz P.

Engineering

Matt B.

Marketing

Maxime F.

Data

Megan G.

Finance

Melissa D.

Data

Mike F.

Credit Ops

Mike H.

Design

Nick W.

Marketing

Nimmi D.

Finance

Olivia K.

Client Happiness

Patrick W.

Engineering

Paul M.

Data

Paul W.

Capital Markets

Pete H.

Engineering

Peter E.

Data

Peter N.

Engineering

Peter T.

Client Happiness

Petr O.

Engineering

Priya P.

Legal

Ramsey N.

Capital Markets

Rit B.

Engineering

Rose N.

Design

Ryan B.

Client Happiness

Ryan Y.

Credit Ops

Sam E.

Credit Ops

Sarah W.

People Ops

Scott A.

Marketing

Scott M.

Portfolio Risk

Sean M.

Data

Sharmaine W.

People Ops

Sherwin S.

Portfolio Risk

Shirley H.

Client Happiness

Sierra E.

People Ops

Spencer C.

Engineering

Stas S.

Data

Stephanie S.

Engineering

Taya D.

Credit Ops

Tim Y.

Capital Markets

Tobias W.

Engineering

Tony D.

Marketing

Tony R.

Finance

Tony W.

Engineering

Vartika A.

Finance

Vivian J.

Credit Ops

Vivien L.

Client Happiness

Ying L.

Data

Zara I.

Capital Markets

Zoë F.

Engineering

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.