EARNEST Visa Sponsorship USA
EARNEST operates in the Banking & Financial Services sector and has a track record of sponsoring work visas for qualified candidates. While not among the highest-volume sponsors in financial services, EARNEST does actively support international talent through the H-2B program, making it a viable target for job seekers in relevant roles.
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Get Access To All JobsINTRODUCTION
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.
ROLE AND RESPONSIBILITIES
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.
BASIC QUALIFICATIONS
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.
PREFERRED QUALIFICATIONS
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.
LOCATION
This role will be based in the US.
BENEFITS
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.
INTRODUCTION
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.
ROLE AND RESPONSIBILITIES
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.
BASIC QUALIFICATIONS
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.
PREFERRED QUALIFICATIONS
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.
LOCATION
This role will be based in the US.
BENEFITS
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.
Job Roles at EARNEST Companies
How to Get Visa Sponsorship in EARNEST Visa Sponsorship USA
Focus on roles where H-2B sponsorship fits
EARNEST sponsors through the H-2B program, which covers temporary non-agricultural workers. Target roles in operations, customer support, or seasonal financial services functions where this visa type is most commonly used by employers in this sector.
Understand the H-2B process before you apply
H-2B sponsorship involves DOL certification and specific start dates tied to seasonal or temporary need. Research how EARNEST structures its hiring cycles so your application aligns with their sponsorship timeline and workforce planning windows.
Highlight skills specific to Banking & Financial Services
EARNEST operates in a compliance-heavy, customer-focused industry. Emphasizing experience in financial products, loan servicing, or fintech operations makes you a stronger candidate for roles likely to receive sponsorship consideration.
Apply early in the hiring cycle
H-2B petitions require advance DOL certification with fixed employment start dates. Reaching out to EARNEST's recruiting team well before a role's intended start date gives both parties enough runway to complete the sponsorship process successfully.
Verify EARNEST's current openings through a trusted source
Sponsorship availability changes with each hiring cycle. Migrate Mate surfaces verified sponsors so you can filter by real sponsorship history, helping you confirm whether EARNEST is actively hiring for roles that align with your background right now.
Tailor your application to EARNEST's fintech positioning
EARNEST is known for student loan refinancing and personal finance products. Candidates who demonstrate familiarity with consumer lending, digital banking platforms, or financial wellness services are better positioned for roles that qualify for sponsorship.
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Get Access To All JobsFrequently Asked Questions
Does EARNEST sponsor H-1B visas?
Based on available sponsorship data, EARNEST's visa sponsorship activity has been through the H-2B program rather than H-1B. Job seekers seeking H-1B sponsorship in financial services should confirm current visa offerings directly with EARNEST's recruiting team, as sponsorship priorities can shift depending on hiring needs and role type.
What visa types does EARNEST sponsor?
EARNEST's sponsorship history reflects activity under the H-2B visa category, which covers temporary non-agricultural workers. This is less common in fintech than H-1B but signals that EARNEST does engage with the visa sponsorship process. Candidates should confirm current sponsorship types during the recruiting process, as offerings may expand over time.
Which departments or roles at EARNEST are most likely to receive visa sponsorship?
Given EARNEST's focus on student loan refinancing and personal lending, roles in loan operations, customer experience, and financial services support are most likely to align with their sponsorship profile. H-2B sponsorship tends to support temporary or project-based positions, so roles with clearly defined employment periods may be the best fit.
How do I find open roles at EARNEST that offer visa sponsorship?
The most reliable approach is to search for EARNEST specifically on Migrate Mate, which tracks real employer sponsorship history so you can see verified data rather than relying on unconfirmed job listings. From there, you can identify active openings and cross-reference them with EARNEST's own careers page to confirm sponsorship eligibility before applying.
How do I approach the application process at EARNEST as an international candidate?
Be upfront about your visa status early in the process. EARNEST operates in a regulated financial services environment where workforce planning is deliberate, so demonstrating awareness of H-2B requirements and timeline constraints will work in your favor. Prepare to discuss your work authorization situation clearly and come prepared with documentation of relevant fintech or financial services experience.
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