This company operates with a remote-first culture, allowing team members to work from anywhere. Team members are distributed across the U.S. and Canada.
Open Positions2
This role will be based in the US.Full-TimeFinancial ServicesPosted
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.
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About Earnest
Earnest is transforming the lending landscape, making financial access simpler for responsible individuals. You can refinance student loans or secure personal loans, all with a personalized touch. Earnest leverages cutting-edge technology, analyzing education, savings, and career paths, not just credit scores. Since its 2014 launch, Earnest has facilitated over $19 billion in loans, earning recognition on Fast Company’s World’s 50 Most Innovative Companies list. You apply online, manage your account through an intuitive dashboard and mobile app, and experience a truly modern approach to finance.
How We Work
Earnest champions a remote-first work environment, allowing you the flexibility to work from anywhere in the U.S. We prioritize focused work with "No Meeting Thursdays," ensuring dedicated time for deep concentration. Our culture thrives on five core principles: "Every Second Counts," "Choose To Do Hard Things," "Pursue Excellence," "Lead Together," and "Don’t Take Yourself Too Seriously." This fosters a dynamic yet supportive atmosphere where ownership and initiative are highly valued. We are a founding member of the Fintech Equality Coalition, dedicated to building a more inclusive financial ecosystem for everyone.
Engineering at Earnest
At Earnest, you will build a scalable, high-performance lending ecosystem from initial application to checkout. Our engineers craft customer-centric financial products, ensuring seamless user experiences and orchestrating large-scale financial transactions. We rely on a modern tech stack including Node.js, TypeScript, React/Redux, and Angular for frontend development. Our backend utilizes PostgreSQL and Docker, while our infrastructure runs on AWS or similar cloud platforms. You will work on solving complex challenges like optimizing our microservices architecture, implementing robust fraud detection strategies, and continuously improving testing and deployment pipelines. Your work directly impacts how we deliver smarter borrowing options to our customers.
Why Join Us
Drive real impact by transforming the financial services industry for millions of customers.
Work in a remote-first culture that values focus, initiative, and continuous improvement.
Solve complex technical and business challenges using modern technologies.
Grow your career in a company recognized as one of the World's Most Innovative.
Benefit from comprehensive perks including a $1,000 annual travel perk and robust tuition reimbursement.
Benefits & Perks
Health, Dental, & Vision benefits plus savings plans
Mac computers + work-from-home stipend
Monthly internet and phone reimbursement
Employee Stock Purchase Plan (ESPP) with a 15% discount
Restricted Stock Units (RSUs)
401(k) plan with a company match (5% employer match)
Robust tuition reimbursement program
$1,000 travel perk on each Earnie-versary
Competitive annual PTO (20-25 days to start)
Competitive parental leave (12 weeks for expecting fathers and mothers)