Engineering Manager, Servicing and Collections

About the role

The Engineering Manager, Servicing & Collections will 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.

Responsibilities

• 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.

Requirements

• 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.

Qualifications

• Experience in fintech or other regulated industries.
• Familiarity with servicing and collections metrics (e.g., delinquency, recovery, cost to collect).
• Experience building internal tools or platforms for operations teams.
• Hands-on experience applying AI to improve workflows or operational efficiency.

Skills

• Strong leadership skills.
• Excellent communication and collaboration abilities.
• Ability to work in a fast-paced, dynamic environment.
• Experience with Python, Java, or similar languages.
• Experience with databases like PostgreSQL or MySQL.
• Experience with cloud services such as AWS, Azure, or Google Cloud.

Benefits

Includes health, dental, and vision benefits, a Mac computer and work-from-home stipend, monthly internet and phone reimbursement, Employee Stock Purchase Plan (ESPP), restricted stock units (RSUs), a 401(k) plan with company match, robust tuition reimbursement program, a $1,000 travel perk on each Earnie-versary, competitive days of annual paid time off, and competitive parental leave.

Pay

$244,300 USD - $293,160 USD

Schedule

This role will be based in the US.