Engineering Manager, Servicing and Collections

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 Engineering Manager, Servicing & Collections, will report to the Senior Engineering Manager. We are looking for an Engineering Manager, Servicing & Collections to lead a team responsible for the systems that power borrower repayment, payments, delinquency management, and collections at Earnest. This is a high-impact role at the core of Earnest’s business. You will partner closely with Product, Risk, Operations, and Compliance to build scalable, reliable, and compliant systems that improve repayment performance, reduce delinquency, and deliver a high-quality, self-service customer experience. You will play a critical role in transforming servicing into a strategic advantage for Earnest by improving operational efficiency, enabling smarter collections strategies, and creating systems that build long-term customer trust. As the Engineering Manager, you will: Lead a team building the systems that power repayment, payments, and collections--directly impacting borrower experience and business performance. Own end-to-end delivery of high-impact initiatives, improving repayment rates, reducing delinquency, and driving operational efficiency. Evolve the servicing platform alongside senior engineers, simplifying architecture and scaling toward modular, reliable, and observable systems. Partner closely with Product, Risk, Operations, and Compliance to build smarter collections capabilities and high-quality self-service experiences. Ensure reliability of mission-critical systems, with a focus on uptime, data integrity, and incident readiness. Leverage AI to accelerate engineering and product velocity, while applying strong judgment in regulated environments. Mentor engineers and raise the technical bar, staying close to the code and unblocking teams when it matters most. About You: 7+ years of software engineering experience, including 3+ years leading teams. Strong full-stack foundation with the ability to dive into code, debug, and guide architectural decisions. Experience building or operating high-stakes systems (e.g., payments, servicing, billing) with a focus on reliability and data integrity. Proven track record of scaling systems and teams in fast-paced, ambiguous environments. Clear communicator who can align technical and non-technical stakeholders. Passion for mentoring and developing engineers Hands-on experience applying AI to improve workflows or operational efficiency. Where: This role will be based in the US. #LI-GA 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 $206,250 — $275,000 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.