Director of Collections Strategies

Earnest•San Francisco, CA

About The Position

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. 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. The Director of Collections Strategies will report to our Chief Product Officer

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.

Nice To Haves

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.

Responsibilities

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.