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$213k–$262k/yr
Senior+$316M raised
Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision. Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing optio…
Skills: Collections strategy, Loss mitigation, Risk modeling, Data analytics, Portfolio management
San Francisco, California, United States · On-site
$105k–$165k/yr
Mid level$1.2B raised
Astranis builds advanced satellites for high orbits, expanding humanity’s reach into the solar system. Today, Astranis satellites provide dedicated, secure networks to highly-sophisticated customers across the globe— lar…
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Mid level$1.2B raised
Astranis builds advanced satellites for high orbits, expanding humanity’s reach into the solar system. Today, Astranis satellites provide dedicated, secure networks to highly-sophisticated customers across the globe— lar…
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San Francisco, California, United States · Hybrid
$160k–$246k/yr
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Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
San Francisco, California, United States · Remote OK
$308k–$462k/yr
Senior+$1.2B raised
Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
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San Francisco, California, United States · On-site
$140k–$193k/yr
Mid level$1.2B raised
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San Francisco, California, United States · On-site
$219k–$301k/yr
Senior+$1.2B raised
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Secure Every Identity, from AI to Human Identity is the key to unlocking the potential of AI. Okta secures AI by building the trusted, neutral infrastructure that enables organizations to safely embrace this new era. Thi…
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San Francisco, California, United States · On-site
$140k–$210k/yr
Mid level$1.2B raised
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Skills: Lead Qualification, Pipeline Generation, Outreach, Discovery Calls, Salesforce
San Francisco, California, United States · On-site
Mid level$100M raised
About Us At Félix, we're building the financial ecosystem for Latin immigrants in the U.S., starting with a revolution in remittances. Our core product is an AI-powered chatbot built on WhatsApp, allowing our users to se…
Skills: Credit risk, SQL, Python, R, Data modeling
Sign up with Clera and we'll reach out the moment a role actually fits you — no more spraying applications into the void.
$213k–$262k/yr
Full-time
Health insurance, Dental insurance, Vision insurance, Savings plans, Mac computers, Work-from-home stipend
Posted 8d ago
~40 hrs/week
Remote in United States
Responsibilities
The Director of Collections will build and lead the end-to-end collections strategy for personal and student loans while leveraging advanced risk modeling and AI tools. They will define portfolio KPIs, optimize treatment strategies, and manage third-party vendor performance to ensure operational efficiency.
Requirements
Candidates must have 10+ years of experience in consumer lending collections strategy with deep expertise in unsecured lending products. Proficiency in SQL, Python, and modern business intelligence platforms is required, along with strong cross-functional leadership and analytical skills.
Full job description
Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.
Earnies are committed to helping borrowers move forward with confidence by offering smarter borrowing options with a clearer path to taking control of their debt. If you’re as passionate as we are about our mission, read more below, and let’s build something great together.
The Director of Collections will report to our Chief Product Officer.
As the Director of Collections you will:
Build and lead the end-to-end collections strategy across personal loans and student loan refinance, with an initial focus on scaling the personal loan portfolio.
Leverage advanced risk modeling and analytics to design collections and loss-mitigation strategies that improve portfolio performance throughout the delinquency lifecycle while delivering a positive customer experience.
Design and optimize treatment strategies spanning early-stage outreaches, hardship programs, and pre-charge-off interventions.
Design and execute tests across digital and traditional communication channels, continuously optimizing customer engagement through rigorous experimentation and measurement.
Lead the AI integration roadmap for collections strategy and leverage AI tools to improve productivity and outcomes.
Define and monitor portfolio KPIs, and translate complex data into actionable business decisions.
Drive clear performance expectations and accountability with third-party vendors, and develop the long-term operating model for the optimal balance between internal capabilities and third-party partners.
About You:
10+ years of experience in consumer lending collections strategy, with significant ownership of loss mitigation strategy and collections analytics.
Deep expertise in unsecured consumer lending, preferably Personal Loans, Student Loan Refinance, Credit Cards, or other installment lending products.
Proven track record of improving collections performance while balancing customer experience, regulatory compliance, and operational efficiency.
Strong analytical and quantitative background with extensive experience using data to identify opportunities, develop strategies, and measure business impact.
Expert understanding of collections performance metrics, charge-offs, and vendor management.
Proficiency with SQL and familiarity with Python, statistical modeling, and modern business intelligence platforms (e.g., Tableau, Looker).
Excellent cross-functional leadership skills with the ability to align stakeholders across Risk, Data Science, Product, Engineering, Operations, Legal, Compliance, and Finance.
Strong communication skills with the ability to translate complex analytical findings into clear business recommendations.
Even Better:
Experience building, scaling, or modernizing a collections strategy function in a high-growth fintech or digital lending environment.
Experience applying AI, machine learning, or advanced analytics to collections strategy, customer engagement, or operational optimization.
Deep knowledge of collections operations, regulatory requirements, and vendor management.
Experience with modern digital collections capabilities.
Where:
This role will be based in the US.
Compensation:
A little about our pay philosophy: We take pride in compensating our employees fairly and equitably. We are showcasing a range of your potential base salary based on the roles location. The successful candidate’s starting pay will also be determined based on job-related qualifications, internal compensation, candidate location and budget. This range may be modified in the future.
Salary Range: $213,000 - $262,000 USD.Employees are also eligible for an annual performance-based bonus and equity.
#LI-JP
Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including:
Health, Dental, & Vision benefits plus savings plans
Mac computers + work-from-home stipend to set up your home office
Monthly internet and phone reimbursement
Employee Stock Purchase Plan
Restricted Stock Units (RSUs)
401(k) plan to help you save for retirement plus a company match
Robust tuition reimbursement program
$1,000 travel perk on each Earnie-versary to anywhere in the world
Competitive days of annual PTO
Competitive parental leave
What Makes an Earnie:
At Earnest, our people bring our cultural principles to life. These principles define how we work, how we win, and what we expect of ourselves and each other:
Every Second Counts: Speed is our competitive advantage. Our customers need better solutions, and the faster we execute, the greater our chance of success.
Choose To Do Hard Things: We win by tackling the hard things that others avoid, fueled by grit and resilience.
Pursue Excellence: Great companies, teams, and individuals never settle and are proud of the work that they do. What’s good enough today won’t be good enough tomorrow. Excellence isn’t a destination; it’s a mindset of continuous improvement.
Lead Together: Our success comes from how we work together. Leadership is not about titles—it is about action. We take ownership, drive results, and move forward as a team.
Don’t Take Yourself Too Seriously: We take our work seriously, not ourselves. The stakes are high, but a sense of humor keeps us grounded, creative, and resilient.
At Earnest, we are committed to building an environment where our employees feel included, valued, and heard. Our belief is that a strong commitment to diversity, inclusion, equity, and belonging enables us to move forward with our mission. 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.
Earnest provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, sexual orientation, gender identity, veteran status, disability or genetics. Qualified applicants with criminal histories will be considered for the position in a manner consistent with the Fair Chance Ordinance.
We're more than just another lender; we're a partner in our clients' financial journeys from education to career.
Industry
Financial Services
Company size
201-500 employees
Founded
2013
Headquarters
Oakland, California
LinkedIn followers
41,459
Total funding
$316M
Our mission is to make higher education accessible and affordable for everyone.
We do that through smarter lending products, better tools, and relentless focus. Our approach is shaped by real stories and real challenges, and we’re building solutions that actually help.
How we work matters just as much as what we’re building. Our five cultural principles guide how we show up, make decisions, and deliver for our customers every day:
Every Second Counts. Choose to Do Hard Things. Pursue Excellence. Lead Together. Don’t Take Yourself Too Seriously.
We’re a remote-first team, moving fast and having fun while doing meaningful work. Perks include a $1,000 Earniversary travel perk, generous PTO, an annual office stipend, and swag drops throughout the year.
Sound like your kind of place? Explore open roles at earnest.com/careers.
Earnest Operations, NMLS #1204197
nmlsconsumeraccess.org
Offices: 300 Frank H. Ogawa Plaza, Suite 340, Oakland, California 94612, US · 10 West Broadway, Salt Lake City, UT 84111, US
Consumer LendingFinancial TechnologyMission Drivenand Value drivenBankingConsumer LendingFinTechFinancial ServicesCredit
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