Senior Manager of Collections, Earnest

• 8+ years of experience in consumer lending collections or loan servicing, including 5+ years in a people leadership role with direct experience managing other people leaders (supervisors or managers)
• 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

Desirable

• The Senior Manager, Collections will report to the Head of Operations
• 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