Head of Collections Operations & Strategy

Earnest; United States; Remote; USD 104,000 - 130,000; Full time

Benefits offered by this job

Health, Dental, & Vision benefits

Mac computers + work-from-home stipend

Monthly internet and phone reimburse

Employee Stock Purchase Plan

Restricted Stock Units (RSUs)

401(k) with company match

Tuition reimbursement program

$1,000 travel perk on Earnie-versaries

Competitive paid time off

Parental leave

Job summary

Earnest is seeking a Senior Manager, Collections in the United States to build and lead the Personal Loans collections team, drive delinquency strategy with Risk, and manage third-party agencies. You will oversee performance metrics, ensure regulatory compliance, and scale programs in a dynamic fintech environment.

The role reports to the Head of Operations and offers a comprehensive benefits package and opportunities to shape the collections function as the company grows.

Qualifications

• 8+ years in consumer lending collections or loan servicing.
• 5+ years in people leadership with supervisors/managers.
• Experience managing third-party agencies and driving performance via KPIs.
• Strong knowledge of FDCPA and applicable state regulations.
• Ability to partner with Risk, Product, Legal, and Compliance.
• Experience scaling teams and processes in evolving environments.

Responsibilities

• Build, hire, and lead Earnest’s Personal Loans collections team, including supervisors and collectors, as the team scales.
• Own the execution of our collections program across delinquency stages, partnering closely with Risk on strategy and direction.
• Manage third-party collection agency relationships, including selection, onboarding, performance management, and allocation of volume.
• Own collections performance and reporting across key KPIs, including roll rates, cure rates, cost to collect, and right-party contact.
• Ensure collections activities meet FDCPA and applicable state regulatory requirements, partnering with Legal & Compliance on complaint monitoring, audits, and remediation.
• Build and evolve collections processes, procedures, and SOPs while identifying solutions for gaps between current tools and platform capabilities.

Skills

People leadership

Third-party collections management

Regulatory compliance (FDCPA)

Cross-functional collaboration

Data-driven KPI management

Job description

Earnest is seeking a Senior Manager, Collections in the United States to build and lead the Personal Loans collections team, drive delinquency strategy with Risk, and manage third-party agencies. You will oversee performance metrics, ensure regulatory compliance, and scale programs in a dynamic fintech environment.

The role reports to the Head of Operations and offers a comprehensive benefits package and opportunities to shape the collections function as the company grows.