Collections Manager

**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.

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