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 Director of Collections Strategies will report to our Chief Product Officer As the Director of Collections Strategy, 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. 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.

Role Description This is a 100% remote opportunity; however, please only apply if you have 3 to 5 years of medical insurance collections experience. AIS Healthcare is looking for experienced and motivated Accounts Receivable Collection experts to join our dynamic team! The AR Collection role is a full-time position responsible for collection processes for TDD services that includes: - Contract analysis - Reimbursement - Denial management - Appeals - Resolving billing-related issues with insurance companies or other responsible parties for services rendered The perfect candidate should have an in-depth knowledge of collection practices related to billing and collection activities. Qualifications - A high school diploma or general education degree (GED) equivalent is required. - 3-5 years of healthcare industry experience required. - 3-5 years of medical billing and collections experience required. - Home Infusion, Intrathecal Pain Management experience preferred. Requirements - Recognizes patients’ rights and responsibilities and supports them in the performance of job duties, respects patient’s rights to privacy and confidentiality. - Follows up on invoices submitted to ensure prompt and timely payment and escalates issues, as necessary. - Evaluates payments/denials received for correctness and ensures they are applied accordingly. - Identifies bad debt write-offs and A/R adjustments. Initiates write-offs and adjustments in accordance with policies and procedures. - Identifies any overpayments and/or duplicate payments and investigates and resolves accordingly. - Processes refund requests, in accordance with policies and procedures. - Maintains contact with other departments to obtain patient or insurance information needed for claim payment. - Responsible for understanding all procedures within regulatory mandates. - Ensures that the activities of the collection operations are conducted in a manner that is consistent with overall department protocol, and are following Federal, State, and payer regulation, guidelines, and requirements. - Makes calls to troubleshoot payment discrepancies and establish resolution. - Documents, in detail, phone calls, phone number, person spoken to, and call details on a consistent basis. - Consistently looks for areas to maximize claim reimbursement. - Resolves issues that created a denial within 5 days of receipt of denial. - Maintains strictest confidentiality; adheres to all HIPAA guidelines/regulations. - Maintains understanding of NDC (National Drug Code) numbers, metric quantities, and knowledge of infusion supplies. - Maintains a broad range of knowledge of insurance plans, medical terminology, billing procedures, government regulations, and medical codes. - Shares knowledge gained with other staff members and works as a team member. - Interacts with others in a positive, respectful, and considerate manner. - Performs other job-related duties as assigned. Benefits - Health, vision, and dental insurance - Long term disability insurance - Life insurance - Vacation package - 401K plan with a generous employer contribution - 100% work from home model Steps to Apply To apply for this role, you must complete a Culture Index Assessment to be considered. Please note that your application will not be considered if the Assessment is not completed. Copy and paste the following link into your browser and press enter. Then, select the corresponding position for which you are applying. (Only one assessment per candidate is required.) The assessment is brief, taking less than ten minutes to complete. portal.cultureindex.com/public/survey/general/0BFB8F0000

• 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.

• Conduct analysis and deliver analytical insights to enable and optimize the end-to-end collection and recovery strategies by using data, machine learning models and advanced analytics tools. • Analyze portfolio performance at a granular segment level on an ongoing basis. Identify trends and conduct root-cause analysis to isolate key performance drivers. • Communicate findings and recommendations to key stakeholders within Collections and Recoveries as well as across the broader Prosper community. • Bring innovative/out of the box thinking to make recommendations and to approach and solve problems. • Design A/B tests and understand the risk-return trade-offs. • Partner with Operations, Risk, Product, Marketing and Engineering teams to implement strategies and monitor strategy performance. • Continue to innovate by testing new data, analytics approaches and models. • Conduct ad-hoc analysis related to risk management, investor services, product, and operations.