Senior Manager, Collections

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.

Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together.

As the Senior Manager, Collections, you will:

• Build, hire, and lead Earnest’s Personal Loans collections team, including supervisors and collectors, as the team scales.
• Own the execution of our collections program across delinquency stages, partnering closely with Risk on strategy and direction.
• Manage third-party collection agency relationships, including selection, onboarding, performance management, and allocation of volume.
• Own collections performance and reporting across key KPIs, including roll rates, cure rates, cost to collect, and right-party contact.
• Ensure collections activities meet FDCPA and applicable state regulatory requirements, partnering with Legal & Compliance on complaint monitoring, audits, and remediation.
• Build and evolve collections processes, procedures, and SOPs while identifying solutions for gaps between current tools and platform capabilities.

• 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.

$104,000—$130,000 USD

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.

• 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

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
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  Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the…