Earnest Senior Manager, Collections at Earnest leads the Personal Loans collections team and manages third-party collection agency relationships. The role focuses on collections performance, compliance, and process improvement.
Responsibilities
Build, hire, and lead Earnest’s Personal Loans collections team
Own the execution of collections program across delinquency stages
Manage third-party collection agency relationships including selection and performance management
Own collections performance and reporting across key KPIs
Ensure collections activities meet FDCPA and state regulatory requirements
Build and evolve collections processes, procedures, and SOPs
Qualification
Comfortable building and scaling teamsExperience in fintechFamiliarity with personal loansTrack record of collaborating with RiskThis role will be based in the USA little about our pay philosophy$104Experience collaborating with Risk
Required
8+ years of experience in consumer lending collections or loan servicing, including 5+ years in a people leadership role with direct experience managing other people leaders (supervisors or managers).
Demonstrated experience managing third-party collection agencies and driving performance through data and key collections KPIs.
Strong working knowledge of collections compliance and regulatory requirements, including FDCPA and applicable state regulations.
Strong cross-functional communication skills with experience partnering with teams such as Risk, Product, Legal, and Compliance.
Comfortable building and scaling teams, processes, and programs in an evolving environment where structure may still be taking shape.
Experience in fintech, digital lending, or non-bank financial services.
Experience building or scaling a collections team or program from the ground up.
Familiarity with personal loans, student loans, or unsecured installment lending.
Track record of collaborating with Risk, Product, or Data partners on strategic initiatives, with a focus on leveraging automation or modern tech to evolve collections processes.
This role will be based in the US.
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.
$104,000—$130,000 USD
Preferred
Experience in fintech, digital lending, or non-bank financial services
Experience building or scaling a collections team or program
Familiarity with personal loans, student loans, or unsecured installment lending
Experience collaborating with Risk, Product, or Data partners on strategic initiatives
