Earnest

Director of Collections Strategies

Earnest

full-time

Posted on:

Location Type: Remote

Location: California • United States

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Job Level

Lead

About the role

  • Build and lead our collections strategy across personal loans and student loan refinance, with an initial focus on standing up the personal loan program.
  • Design customer-first recovery strategies that improve performance across the full delinquency lifecycle, including pre-default.
  • 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.

Requirements

  • 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.
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
collections strategyconsumer lendingservicingrecoveriescompliancevendor managementdata analysisperformance optimizationcustomer experiencetesting
Soft Skills
leadershipanalytical skillscross-functional communicationstrategic thinkingaccountabilitypartnership buildingproblem-solvingcustomer-first mindsetcollaborationdecision-making