Director of Collections

Remotefull timeRemote

senior

$178k–$222k

H1B: yes

Earnest The Director of Collections at Earnest leads the collections strategy across personal loans and student loan refinance, focusing initially on the personal loan program. This role involves designing customer-first recovery strategies and managing third-party vendors to build a compliant, scalable collections operation.

Responsibilities

Build and lead collections strategy across personal loans and student loan refinance
Design customer-first recovery strategies that improve performance across the full delinquency lifecycle
Select and manage third-party vendors, driving clear performance expectations and accountability
Use data, testing, and cross-functional partnership to build a compliant, scalable collections operation
Shape the long-term model for collections, including where to leverage vendors versus build in-house capabilities

Qualification

Experience in fintechFamiliarity with student loansThis role will be based in the USExperience in fintechFamiliarity with student loans

Required

10+ years of experience in consumer lending collections, servicing, or recoveries, with significant ownership of strategy and execution.
Deep knowledge of collections operations, compliance, and vendor management.
Track record of improving recovery outcomes while maintaining a strong customer experience.
Highly analytical and comfortable using data to guide decisions and optimize performance.
Strong cross-functional communicator who works effectively across Risk, Product, Operations, Legal, Compliance, and Data.
Experience in fintech, digital lending, or a customer-oriented bank.
Familiarity with student loans, personal loans, or unsecured installment lending.
Experience building or modernizing a collections function from the ground up.
This role will be based in the US.

Preferred

Experience in fintech, digital lending, or a customer-oriented bank
Familiarity with student loans, personal loans, or unsecured installment lending
Experience building or modernizing a collections function from the ground up

Benefits

Dental
Vision
401(k)
PTO
Equity/RSU
Tuition
Parental Leave

Company

Earnest

View company page

Source: greenhouse

Active within the past hour

Remote-friendly

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