Earnest

Senior Product Manager, Servicing & Collections

Earnest

full-time

Posted on:

Location Type: Remote

Location: United States

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Salary

💰 $197,000 - $246,000 per year

Job Level

Senior

About the role

  • Define and own the end-to-end servicing and collections product strategy across all Earnest lending products, with clear cross-product accountability for performance and customer outcomes.
  • Lead the borrower experience across web and mobile, driving measurable improvements in repayment, delinquency (DQ), self-service adoption, retention, and customer lifetime value (LTV).
  • Be directly accountable for repayment performance, DQ rates, operating cost efficiency (cost-to-serve), and long-term LTV, building scalable, digital-first servicing models that improve trust while reducing expense.
  • Partner deeply with Risk, Legal, Compliance, and Finance — alongside Engineering, Design, Operations, and Analytics — to deliver compliant, empathetic, and financially sound servicing and collections journeys.
  • Define, own, and report on core servicing KPIs, clearly communicating strategy, tradeoffs, progress, and results to stakeholders and executive leadership.

Requirements

  • 7+ years of product management experience with end-to-end ownership of complex customer experiences.
  • Experience building or owning servicing, payments, collections, or post-origination experiences (fintech or adjacent industries strongly preferred).
  • Strong product instincts backed by data fluency—you are comfortable defining metrics, analyzing performance, and running experiments.
  • A customer-first mindset with the ability to balance empathy, business outcomes, and risk considerations.
  • Excellent communication and collaboration skills across highly cross-functional teams.
  • Comfort operating in regulated environments and partnering with legal, compliance, and risk stakeholders.
  • A builder’s mindset—you thrive in ambiguity and turn complex problems into clear, actionable roadmaps.
  • Passion for creating transparent, empowering financial products that help people succeed.
Benefits
  • 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
Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools
product managementdata analysismetrics definitionservicingpaymentscollectionscustomer experience designKPI reportingdigital-first servicing modelsfinancial product development
Soft Skills
customer-first mindsetempathycommunicationcollaborationproblem-solvingstrategic thinkingadaptabilityleadershipcross-functional teamworkstakeholder management