---
title: 'Collections Manager at Earnest'
canonical: 'https://feeny.ai/job/collections-manager-earnest-remote-2vdg90jwejse'
type: 'job'
last_seen: '2026-09-07'
---

# Collections Manager at Earnest

- **Company:** Earnest
- **Location:** Remote
- **Compensation:** $98k–$123k
- **Work type:** remote
- **Posted:** 2026-08-31
- **Last confirmed live:** 2026-09-07
- **Apply:** https://app.careerpuck.com/job-board/earnest/job/8167670?gh_jid=8167670

## Job description

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 Collections Manager will report to the Head of Operations.

As the Collections Manager, you will:

- 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.

About You:

- 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.

Even Better:

- 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.

Where:

- This role will be based in the US.

## #LI-AM1

A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.

Salary Range $98,000—$123,000 USD

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:

- 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

What Makes an Earnie:

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.

At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. We are dedicated to adding new perspectives to the team and encourage anyone to apply if your experience is close to what we are looking for.

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.

## About Earnest

## Company Overview
- **One-liner**: Earnest provides low-interest student loan refinancing, private student loans, and personal loans, using a modern, data-driven approach to assess creditworthiness beyond just a credit score.
- **Entity Type**: Private (Debt Financing Stage)
- **Headquarters**: Oakland, California, United States
- **Founded**: 2013
- **Founders**: Louis Beryl, Ben Williams

## Core Business
- **Primary industry/industries**: Financial Services (Fintech), Consumer Lending
- **Target customers**: B2C (ambitious professionals, students, and recent graduates), B2B (1,300+ university partnerships)
- **Mission or purpose statement**: To make higher education accessible and affordable for everyone, and to help more people find financial independence by empowering them to make confident financial decisions.

## Products & Services
- **Student Loan Refinancing**: Consolidates federal and private student loans into one payment with flexible terms and no fees.
- **Private Student Loans**: New student loans for undergraduate and graduate programs.
- **Personal Loans**: Unsecured personal loans for life’s next chapter (e.g., moving, weddings, major purchases), with no fees and flexible repayment.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed.
- **Key Metric**: $24 billion in total student loans refinanced; served over 420,000 clients.
- **Notable Investors/Partners**: Investors include Maveron, Battery Ventures, and other top-tier venture firms. Partners with 1,300+ universities.
- **Growth Signals**: Revenue estimated at $100M-$500M annually. Headcount grew 13.5% year-over-year to 221 employees. Named "Best Private Student Loan Lender" by U.S. News (2026), and recognized by Money.com and CNBC.

## Competitive Advantages
- **Merit-based underwriting**: Considers education, career trajectory, and financial habits (not just a FICO score) to offer lower rates.
- **No-fee philosophy**: No origination, late payment, or prepayment fees — a rare offering in the lending space.
- **Flexible repayment**: Eligible borrowers can skip a payment without penalty, a key differentiator for customer-centricity.
- **Speed and service**: Average customer support call wait time under 90 seconds.

## Strategic Focus
- **Growth through product expansion**: Moving beyond student loans to offer personal loans, aiming to serve customers at every life stage ("from debt to wealth").
- **Deepening university and employer partnerships**: Expanding the 1,300+ university network to drive new student loan origination.
- **Technology-driven efficiency**: Continued investment in data science, analytics, and engineering to automate underwriting and improve customer experience.

## Why Work Here
- **Culture**: Guided by five principles: Every Second Counts, Choose to Do Hard Things, Pursue Excellence, Lead Together, and Don’t Take Yourself Too Seriously. Emphasizes high ownership, speed, and resilience.
- **Remote-first**: Fully remote team with a $1,000 initial home office stipend and $100 monthly phone/internet reimbursement.
- **Perks**: $1,000 annual travel perk ("Earniversary"), generous PTO, no-meeting Tuesdays, annual company-wide offsites.
- **Benefits**: Dollar-for-dollar 401k match up to 5%, up to 12 weeks paid parental leave, tuition reimbursement up to $5,250/year.
- **Diversity & Inclusion**: Active Employee Resource Groups (BEE, PRIDE, LatinEST, FeminEST, E.A.S.T., WellnEST) with events like Drag Bingo and Financial Literacy workshops.
- **Engineering Culture**: Technical staff makes up 19% of the workforce. Recent open roles include Staff Software Engineer, Engineering Manager, and Analytics Engineer. Alumni go on to top tech firms like Google, Meta, Stripe, and Uber.

## Sources
1. [Earnest Careers Page](https://www.earnest.com/careers)
2. [Earnest About Us](https://www.earnest.com/about-us)
3. [Earnest Homepage](https://www.earnest.com/)
4. [Earnest Cultural Principles](https://www.earnest.com/principles)
5. [LinkedIn Company Profile](https://www.linkedin.com/company/earnest-llc)

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