Director of Collections at Earnest

Earnest is hiring a Director of Collections to lead end-to-end collections strategy across personal loans and student loan refinancing, with an initial focus on scaling the personal loan portfolio. The role combines collections and loss-mitigation strategy, risk modeling and analytics, treatment-program design, digital and traditional communication testing, AI integration, KPI monitoring, vendor management, and cross-functional leadership. Candidates need at least 10 years of consumer-lending collections experience, strong analytical and quantitative skills, SQL and Python proficiency, and experience with collections operations, regulatory requirements, and vendor management. The role is based in the United States and offers a base salary of $221,000–$253,000 USD, plus a performance-based bonus and equity.