Director of Collections

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. 

• 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.

• 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.

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: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
• Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience.
• Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.
• Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.
• Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.

Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.