Engineering Manager – Servicing and Collections

Earnest

Engineering Manager for borrower repayment systems at Earnest. Leading team to improve operational efficiency and customer experience in financial services.

Posted 4/20/2026full-timeRemote • California • 🇺🇸 United StatesSeniorLead💰 $244,300 - $293,160 per yearWebsite

About the role

Key responsibilities & impact

Lead a team building the systems that power repayment, payments, and collections--directly impacting borrower experience and business performance.
Own end-to-end delivery of high-impact initiatives, improving repayment rates, reducing delinquency, and driving operational efficiency.
Evolve the servicing platform alongside senior engineers, simplifying architecture and scaling toward modular, reliable, and observable systems.
Partner closely with Product, Risk, Operations, and Compliance to build smarter collections capabilities and high-quality self-service experiences.
Ensure reliability of mission-critical systems, with a focus on uptime, data integrity, and incident readiness.
Leverage AI to accelerate engineering and product velocity, while applying strong judgment in regulated environments.
Mentor engineers and raise the technical bar, staying close to the code and unblocking teams when it matters most.

Requirements

What you’ll need

7+ years of software engineering experience, including 3+ years leading teams.
Strong full-stack foundation with the ability to dive into code, debug, and guide architectural decisions.
Experience building or operating high-stakes systems (e.g., payments, servicing, billing) with a focus on reliability and data integrity.
Proven track record of scaling systems and teams in fast-paced, ambiguous environments.
Clear communicator who can align technical and non-technical stakeholders.
Passion for mentoring and developing engineers.
Experience in fintech or other regulated industries (Even Better).
Familiarity with servicing and collections metrics (e.g., delinquency, recovery, cost to collect) (Even Better).
Experience building internal tools or platforms for operations teams (Even Better).
Hands-on experience applying AI to improve workflows or operational efficiency (Even Better).

Benefits

Comp & perks

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

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

software engineeringfull-stack developmentdebuggingarchitectural decisionshigh-stakes systemsreliabilitydata integrityAI applicationsoperational efficiencymentoring

Soft Skills

leadershipcommunicationcollaborationproblem-solvingmentoringalignment of stakeholdersjudgment in regulated environmentsadaptabilityteam unblockingpassion for development