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At Earnest, we empower you to take control of your career so you can empower students to take control of their finances.
Senior Product Manager, Servicing & Collections
Location
United States
Posted
103 days ago
Salary
$197K - $246K / year
Seniority
Senior
Job Description
Senior Product Manager, Servicing & Collections
Earnest
• Define and own the end-to-end servicing and collections product strategy across all Earnest lending products, with clear cross-product accountability for performance and customer outcomes. • Lead the borrower experience across web and mobile, driving measurable improvements in repayment, delinquency (DQ), self-service adoption, retention, and customer lifetime value (LTV). • Be directly accountable for repayment performance, DQ rates, operating cost efficiency (cost-to-serve), and long-term LTV, building scalable, digital-first servicing models that improve trust while reducing expense. • Partner deeply with Risk, Legal, Compliance, and Finance — alongside Engineering, Design, Operations, and Analytics — to deliver compliant, empathetic, and financially sound servicing and collections journeys. • Define, own, and report on core servicing KPIs, clearly communicating strategy, tradeoffs, progress, and results to stakeholders and executive leadership.
Job Requirements
- 7+ years of product management experience with end-to-end ownership of complex customer experiences.
- Experience building or owning servicing, payments, collections, or post-origination experiences (fintech or adjacent industries strongly preferred).
- Strong product instincts backed by data fluency—you are comfortable defining metrics, analyzing performance, and running experiments.
- A customer-first mindset with the ability to balance empathy, business outcomes, and risk considerations.
- Excellent communication and collaboration skills across highly cross-functional teams.
- Comfort operating in regulated environments and partnering with legal, compliance, and risk stakeholders.
- A builder’s mindset—you thrive in ambiguity and turn complex problems into clear, actionable roadmaps.
- Passion for creating transparent, empowering financial products that help people succeed.
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
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• Collect delinquent student loans to protect assets • Manual outbound collection attempts are initiated via auto-dialer • Initiate a small percentage of incoming calls • Commit to Performance Based Organization (PBO) & Easy To Do Business With (ETDBW) philosophy • Contribute to Continuous Process Improvement • Contact borrowers via telephone, mail, and email to establish payment arrangements to rectify outstanding delinquencies on accounts • Determine the most appropriate plan of action to resolve past due accounts • Strong negotiation will be used to establish borrower payment plans • Provide pertinent account information and history information in order to educate the borrowers as to the seriousness of the issue at hand • Update demographic and other additional information on borrower accounts via the servicing system • Perform additional collection activities related to collections documents and reports
Billing and Collections Representative
Yessio LLCEstablished in 2011, we are a family-owned business services vendor for various companies that need assistance with their operations and sales teams. We care deeply for our employees and treat them like family We value high-performing employees and offer incentives and bonuses for great work We provide ongoing paid training and a positive work culture How to Apply You're only one short initial application away from taking your first steps toward this rewarding entry-level position. Apply to be our remote Billing and Collections Representative and become a vital part of our financial matters!
At Yessio LLC, we're hiring a spirited and attentive person to join us in our call center and provide great customer service as a full-time Billing and Collections Representative! This is an entry-level opportunity where you can learn how to respectfully handle financial conversations and gain valuable skills in a supportive, remote environment. We have offices in Sandy and St. George, UT, and can hire remotely throughout the state, including Price, Logan, Cedar City, St. George, Provo, and Salt Lake City! Get ready to advance your career with a wide range of benefits and perks, including: - Pay period bonuses, monthly bonuses, and a sign-on bonus after the first 90 days - Paid time off - Paid holidays - Health and dental benefits - Monthly employee recognition lunches - Company barbeques - Remote flexibility - Monthly team motivation contests - Weekly coaching sessions and paid training - Spacious work area and desks - Our main office is across the street from the Center Street Trax station Join us now and embark on an exciting remote financial journey! QUALIFICATIONS We're looking for someone who can work from Monday - Friday, 8:00 am - 4:30 pm and who meets these criteria: - High school diploma or equivalent - Fluent English communication skills and phone etiquette - Computer proficiency and basic math skills - Positive attitude, desire to learn more, and good attendance WHAT TO EXPECT As an entry-level Billing and Collections Representative, you make a real difference for our business and our customers. Customer service is your top priority as you answer incoming phone calls, make outbound ones, respond to questions, and speak with clients about delinquent payments. With a respectful attitude, you talk to customers about overdue bills and work with them to resolve their payments. You process payments, verify banking and employment information, and make sure accounts are properly updated. With your positive attitude and customer service skills, you help create lasting connections. WHO WE ARE Established in 2011, we are a family-owned business services vendor for various companies that need assistance with their operations and sales teams. Our clients rely on the excellent service that we provide. We care deeply for our employees and treat them like family. We value high-performing employees and offer incentives and bonuses for great work. We also offer great benefits, ongoing paid training, and a positive work culture. HOW TO APPLY You're only one short initial application away from taking your first steps toward this rewarding entry-level position. Apply to be our remote Billing and Collections Representative and become a vital part of our financial matters!
Billing and Collections Representative
Yessio LLCEstablished in 2011, we are a family-owned business services vendor for various companies that need assistance with their operations and sales teams. We care deeply for our employees and treat them like family We value high-performing employees and offer incentives and bonuses for great work We provide ongoing paid training and a positive work culture How to Apply You're only one short initial application away from taking your first steps toward this rewarding entry-level position. Apply to be our remote Billing and Collections Representative and become a vital part of our financial matters!
At Yessio LLC, we're hiring a spirited and attentive person to join us in our call center and provide great customer service as a full-time Billing and Collections Representative! This is an entry-level opportunity where you can learn how to respectfully handle financial conversations and gain valuable skills in a supportive, remote environment. We have offices in Sandy and St. George, UT, and can hire remotely throughout the state, including Price, Logan, Cedar City, St. George, Provo, and Salt Lake City! Get ready to advance your career with a wide range of benefits and perks, including: - Pay period bonuses, monthly bonuses, and a sign-on bonus after the first 90 days - Paid time off - Paid holidays - Health and dental benefits - Monthly employee recognition lunches - Company barbeques - Remote flexibility - Monthly team motivation contests - Weekly coaching sessions and paid training - Spacious work area and desks - Our main office is across the street from the Center Street Trax station Join us now and embark on an exciting remote financial journey! QUALIFICATIONS We're looking for someone who can work from Monday - Friday, 8:00 am - 4:30 pm and who meets these criteria: - High school diploma or equivalent - Fluent English communication skills and phone etiquette - Computer proficiency and basic math skills - Positive attitude, desire to learn more, and good attendance WHAT TO EXPECT As an entry-level Billing and Collections Representative, you make a real difference for our business and our customers. Customer service is your top priority as you answer incoming phone calls, make outbound ones, respond to questions, and speak with clients about delinquent payments. With a respectful attitude, you talk to customers about overdue bills and work with them to resolve their payments. You process payments, verify banking and employment information, and make sure accounts are properly updated. With your positive attitude and customer service skills, you help create lasting connections. WHO WE ARE Established in 2011, we are a family-owned business services vendor for various companies that need assistance with their operations and sales teams. Our clients rely on the excellent service that we provide. We care deeply for our employees and treat them like family. We value high-performing employees and offer incentives and bonuses for great work. We also offer great benefits, ongoing paid training, and a positive work culture. HOW TO APPLY You're only one short initial application away from taking your first steps toward this rewarding entry-level position. Apply to be our remote Billing and Collections Representative and become a vital part of our financial matters!
This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description Capital Management Services is expanding its Mortgage Collections Team and is seeking motivated individuals for a fully remote Mortgage Collections Representative position. Mortgage collections involves contacting borrowers who are behind on their mortgage payments and assisting them in resolving delinquent accounts. Representatives work with borrowers to: - Understand their situation - Discuss repayment options - Help establish payment arrangements The goal is to help customers catch up on payments and avoid foreclosure when possible. This role requires strong communication skills, the ability to learn mortgage terminology, and comfort using basic computer applications. Qualifications - High school diploma or equivalent (GED) required - Must be 18 years of age or older - Ability to learn mortgage terminology and collections procedures - Comfortable using Windows-based computer systems, email, and web browsers - Strong communication and problem-solving skills - Ability to maintain a quiet, distraction-free home workspace Requirements - Wired high-speed internet connection (WiFi not permitted) - Minimum 25 Mbps download / 25 Mbps upload speed - Candidates will be required to submit a wired speed test from https://speedtest.net using their home computer or laptop - Smartphone required: Android (OS 11.0 or higher) or iPhone (iOS 16 or higher) Benefits - Fully remote work environment - Structured training program - Stable full-time schedule - Opportunity to develop experience in the mortgage servicing and financial services industry

