What does Earnest provide to set up a home workspace?

Earnest's careers page lists remote work stipends of an initial $1,000 for supplies plus $100 a month for phone and internet. Its job postings add that new hires get a Mac computer and a work-from-home stipend to set up a home office.

How does Earnest protect time for focused work?

Earnest runs No Meeting Tuesdays, which the careers page describes as a chance to go heads down on your work, uninterrupted.

Which benefits stand out at Earnest?

The careers page lists a dollar-for-dollar 401(k) match on contributions up to 5% of eligible compensation, up to 12 weeks of 100% paid parental leave regardless of parental role, and a $1,000 annual travel perk the company calls its Earniversary perk. Earnest also offers tuition reimbursement for job-related courses or degrees, and its postings mention an Employee Stock Purchase Plan and Restricted Stock Units.

Does Earnest have physical offices?

Yes. Although the company is remote-first, its website lists two offices: 300 Frank H. Ogawa Plaza in Oakland, California, and 756 East Winchester Street in Murray, Utah.

Do Earnest's job postings include pay information?

Yes. Each of Earnest's open postings on its own hiring board lists a salary range in US dollars, so candidates can see the pay band before applying.

Senior Manager, Collections

Earnest

Remote

Job Description

Earnest empowers ambitious professionals to make confident financial decisions and build the life they envision.

Important: 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 Senior Manager, Collections will report to the Head of Operations.

As the Senior Manager, Collections, you will:

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.

About You:

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.

Even Better

Experience in fintech, digital lending, or non-bank financial services.
Experience building or scaling a collections team or program from the ground up.
Familiarity with personal loans, student loans, or unsecured installment lending.
Track record of collaborating with Risk, Product, or Data partners on strategic initiatives, with a focus on leveraging automation or modern tech to evolve collections processes.

Where

This role will be based in the US.

#LI-AM1

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

$104,000—$130,000 USD

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.

Benefits & Perks

Health & Wellness
3

Health Insurance

Health coverage is part of a benefits package that also includes dental and vision plans and savings plans.

Dental Insurance

Dental benefits come bundled with Earnest's health and vision coverage.

Vision Insurance

Vision benefits are offered alongside Earnest's health and dental coverage.

Financial
4

401(k) / Retirement Plan

Earnest's 401(k) retirement plan comes with a dollar-for-dollar employer match.

401(k) Match

Earnest matches 401(k) contributions dollar-for-dollar up to 5% of eligible compensation.

Employee Stock Purchase Plan

Employees can buy company stock through an employee stock purchase plan, offered alongside restricted stock units.

Equity / RSUs

Compensation includes restricted stock units (RSUs) in addition to an employee stock purchase plan.

Time Off
2

Meeting-Free Days

Tuesdays are meeting-free at Earnest, giving employees a day to focus on heads-down work without interruption.

PTO / Vacation

Earnest describes its paid time off policy as generous; no fixed day count is published.

Remote & Equipment
4

Home Office Stipend

New employees receive an initial $1,000 for supplies to set up a home workspace.

Internet Stipend

Earnest pays $100 each month toward employees' phone and internet costs.

Company Equipment

Employees are issued Mac computers for their work.

Company Offsites / Retreats

Earnest brings the whole company together at annual offsites, with past events ranging from go-karting in Salt Lake City to karaoke in Las Vegas.

Family & Care
1

Parental Leave

New parents receive up to 12 weeks of 100% paid leave, regardless of parental role.

Professional Growth
1

Learning & Development Budget

Tuition reimbursement covers job-related courses and degrees.

Culture & Perks
2

Vacation Bonus

Each year Earnest gives employees a $1,000 travel perk, which the company presents as a gift toward a well-earned vacation.

Employee Resource Groups

Earnest's employee resource groups include BEE, PRIDE, LatinEST, FeminEST, E.A.S.T. and WellnEST, which host events such as Drag Bingo, a Spicy Noodle Challenge and financial literacy sessions.

Job Description

Even Better

Where

Earnest believes in enabling our employees to live their best lives. We offer a variety of perks and competitive benefits, including

What Makes an Earnie

Compensation

Benefits & Perks

Health & Wellness

Financial

Time Off

Remote & Equipment

Family & Care

Professional Growth

Culture & Perks

Tech Stack

JavaScript & Libraries

Frameworks

Databases

Infrastructure

CMS & Content

Analytics & Monitoring

Sales & CRM

Payments

Frequently Asked Questions

What does Earnest provide to set up a home workspace?

How does Earnest protect time for focused work?

Which benefits stand out at Earnest?

Does Earnest have physical offices?

Do Earnest's job postings include pay information?

Interested in this role?

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