Director of Collections

Director of Collections

The Director of Collections will report to our Chief Product Officer.

As the Director of Collections you will:

• Build and lead our collections strategy across personal loans and student loan refinance, with an initial focus on standing up the personal loan program.
• Design customer-first recovery strategies that improve performance across the full delinquency lifecycle, including pre-default.
• Select and manage third-party vendors, driving clear performance expectations and accountability.
• Use data, testing, and cross-functional partnership to build a compliant, scalable collections operation.
• Shape the long-term model for collections, including where to leverage vendors versus build in-house capabilities.

About You:

• 10+ years of experience in consumer lending collections, servicing, or recoveries, with significant ownership of strategy and execution.
• Deep knowledge of collections operations, compliance, and vendor management.
• Track record of improving recovery outcomes while maintaining a strong customer experience.
• Highly analytical and comfortable using data to guide decisions and optimize performance.
• Strong cross-functional communicator who works effectively across Risk, Product, Operations, Legal, Compliance, and Data.

Even Better:

• Experience in fintech, digital lending, or a customer-oriented bank.
• Familiarity with student loans, personal loans, or unsecured installment lending.
• Experience building or modernizing a collections function from the ground up.

Where:

• This role will be based in the US.

Compensation:

Salary Range: $178,000 - $222,000 USD. Employees are also eligible for an annual performance-based bonus and equity.

Benefits:

• 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