Director of Collections

About the Role The Director of Collections will report to our Chief Product Officer and own the collections strategy for personal loans and student loan refinance, with an initial focus on standing up the personal loan program. You will design customer-first recovery strategies across the delinquency lifecycle, including pre-default, and build a scalable, compliant operation in partnership with Risk, Product, Legal, Compliance, and Data teams. What You'll Do

• Build and lead our collections strategy across personal loans and student loan refinance, with 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. What We're Looking For
• 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. Nice to Have
• 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. Compensation & Benefits
• Salary Range: $178,000 - $222,000 USD. Employees are also eligible for an annual performance-based bonus and equity.
• 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 with company match
• Robust tuition reimbursement program
• $1,000 travel perk on each Earnie-versary to anywhere in the world
• Competitive days of PTO
• Competitive parental leave