Collections Manager

Job not on LinkedIn

🔥 0 minutes ago

🇺🇸 United States – Remote

💵 $98k - $123k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

📞 Collections

🦅 H1B Visa Sponsor

This company has sponsored H1B visas in the past.

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Earnest

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2013

💼 Consulting

📣 Marketing

💳 Fintech

Consulting • Marketing • Fintech

Earnest is a financial technology company specializing in refinancing and consolidating student loans. It offers options to help clients reduce their interest rates and tailor loan payments to fit their budgets, without any credit impact. The company focuses on client satisfaction, providing in-house support and flexible refinancing solutions. Earnest's services include refinancing student loans, Parent PLUS refinancing, and personal loans, with the aim of making higher education more affordable and manageable for students and their families. Known for transparent practices and competitive rates, Earnest has refinanced over $19. 6 billion in student loans.

📋 Description

• Report to the Head of Operations. • Build, hire, and lead Earnest’s Personal Loans collections team, including supervisors and collectors, as the team scales. • Own execution of the 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.

🎯 Requirements

• 6+ years of experience in consumer lending collections or loan servicing, including 3+ years in a people leadership role. • Demonstrated experience managing third-party collection agencies and driving performance through data and key collections KPIs. • Strong working knowledge of collections compliance and regulatory requirements, including FDCPA and applicable state regulations. • Strong cross-functional communication skills with experience partnering with teams such as Risk, Product, Legal, and Compliance. • Comfortable building and scaling teams, processes, and programs in an evolving environment where structure may still be taking shape. • Experience in fintech, digital lending, or non-bank financial services. • Experience building or scaling a collections team or program from the ground up. • Familiarity with personal loans, student loans, or unsecured installment lending. • Track record of collaborating with Risk, Product, or Data partners on strategic initiatives, with a focus on leveraging automation or modern tech to evolve collections processes.

🏖️ 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