Senior Product Manager, Earnest
Servicing & Collections
$197-246k
+ RSUs
Student loan provider
Be an early applicant
Student loan provider
201-500 employees
Be an early applicant
$197-246k
+ RSUs
201-500 employees
Company mission
To make higher education accessible and affordable for everyone.
Role
Who you are
- This role is ideal for someone who thrives in ownership-heavy environments, is fluent in lending, and who can translate complexity into clear, actionable plans
- If you’re energized by digging into tough problems, have a growth mindset, and are ready to roll up your sleeves to grow a product in a competitive space—we want to talk
- 7+ years of product management experience with end-to-end ownership of complex customer experiences
- Experience building or owning servicing, payments, collections, or post-origination experiences (fintech or adjacent industries strongly preferred)
- Strong product instincts backed by data fluency—you are comfortable defining metrics, analyzing performance, and running experiments
- A customer-first mindset with the ability to balance empathy, business outcomes, and risk considerations
- Excellent communication and collaboration skills across highly cross-functional teams
- Comfort operating in regulated environments and partnering with legal, compliance, and risk stakeholders
- A builder’s mindset—you thrive in ambiguity and turn complex problems into clear, actionable roadmaps
- Passion for creating transparent, empowering financial products that help people succeed
- 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
What the job involves
- This role will report to the Vice President - Head of Product
- We are looking for a Senior Product Manager, Servicing & Collections to own the end-to-end servicing experience for existing Earnest customers across all lending products
- This role will lead the strategy and execution for our customer website and mobile app, enabling customers to manage their loans, make payments, get help when needed, and stay engaged throughout repayment
- This is a highly visible, high-impact role at the core of Earnest’s business
- You will own driving strong repayment performance, low delinquency, and low operating costs through customer self-service, while maintaining a human, empathetic approach
- You will also help transform servicing into a growth lever—using these touchpoints to deepen engagement, enable cross-sell, improve retention, and ultimately increase customer lifetime value as Earnest expands its product offerings
- You’ll work with a dedicated cross-functional team of engineers and designers, and partner closely with operations, risk, legal, compliance, analytics, and finance to build scalable, compliant, and customer-first servicing experiences
- Define and own the end-to-end servicing and collections product strategy across all Earnest lending products, with clear cross-product accountability for performance and customer outcomes
- Lead the borrower experience across web and mobile, driving measurable improvements in repayment, delinquency (DQ), self-service adoption, retention, and customer lifetime value (LTV)
- Be directly accountable for repayment performance, DQ rates, operating cost efficiency (cost-to-serve), and long-term LTV, building scalable, digital-first servicing models that improve trust while reducing expense
- Partner deeply with Risk, Legal, Compliance, and Finance — alongside Engineering, Design, Operations, and Analytics — to deliver compliant, empathetic, and financially sound servicing and collections journeys
- Define, own, and report on core servicing KPIs, clearly communicating strategy, tradeoffs, progress, and results to stakeholders and executive leadership
Our take
Earnest offers student loan refinancing and personal loan products. It looks at thousands of data points such as education, saving patterns, investments, and career trajectory to issue a unique credit score, which can prove a lifeline for students who may otherwise struggle to qualify for loan refinancing.
For the portion of student debtors with low credit scores, Earnest is one of a few scant options. Borrowers can choose their own loan terms to fund up to the full cost of their education, and there are no origination, application, or late fees.
Earnest has grown from distributing $8M loans in its first year of business to an impressive total $18.5 billion in student loans refinanced, and has served upwards of 200,000 people. With student loans representing such a huge sector of lending, there should be plenty of room for Earnest to continue expanding in the future.
Kirsty
Company Specialist at Welcome to the Jungle
Insights
4% employee growth in 12 months
Company
Funding (last 2 of 4 rounds)
Mar 2017
$20m
SERIES C
Nov 2015
$75m
SERIES B
Total funding: $127m
Company benefits
- Remote-first flexibility
- Monthly & annual remote work stipends
- Professional development & tuition reimbursement
- $1000 annual travel perk
- Robust 401K package
- No meeting Thursdays
- Annual company-wide offsites
Company HQ
Downtown, Oakland, CA
Leadership
David Green
(CEO)Previously Co-Founder of Poplar Finance, Vice President of SitusAMC and COO of the Kellogg Collection.
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