CPT Collection Agent Jobs
Collection Agent jobs on CPT sit at the intersection of finance, communication, and compliance, skills your DSO will want to see tied directly to your enrolled program. Your CPT authorization must reflect duties like debt recovery, account reconciliation, or skip tracing, and must be approved before your start date.
See All CPT Collection Agent JobsOverview
Showing 5 of 10+ Collection Agent jobs
Have you applied for this role?
Have you applied for this role?
Have you applied for this role?
Have you applied for this role?
Have you applied for this role?
See all Collection Agent Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Collection Agent roles.
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.
See all CPT Collection Agent Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new CPT Collection Agent Jobs.
Get Access To All JobsCollection Agent CPT: Frequently Asked Questions
Does a Collection Agent role qualify for CPT authorization?
Yes, if your program includes coursework in finance, business administration, or a related field and the employer's job description maps to those courses. Your DSO must confirm the role is an integral part of your curriculum, not just related to your major. Duties like account reconciliation, debt negotiation, and compliance reporting make the academic tie-in easier to establish than a generic customer service role would.
Can I work full-time as a Collection Agent on CPT?
You can, but the consequences matter. Accumulating 12 or more months of full-time CPT eliminates your OPT eligibility permanently. If you plan to use OPT after graduation, limit your CPT to part-time authorization or keep full-time semesters under that 12-month threshold. Confirm your running total with your DSO before accepting any full-time offer.
How do I find Collection Agent employers who understand CPT?
Search on Migrate Mate, which surfaces employers with F-1 hiring history so you can target companies whose HR teams already know how to process CPT authorization without delays. Employers who have hired F-1 students before are significantly less likely to rescind offers after seeing your work authorization type.
What does the offer letter need to say for CPT approval?
Your DSO needs the offer letter to specify your job title, start and end dates, number of hours per week, and a description of your duties that connects to your enrolled coursework. Generic descriptions won't satisfy the integral curriculum requirement. Ask the employer to name specific tasks, processing payment arrangements, analyzing delinquent portfolios, maintaining compliance records, rather than listing soft skills or department names.
Is Collection Agent a specialty occupation if I want H-1B sponsorship later?
It can be, but it depends on how the employer defines the role. USCIS requires a specialty occupation to normally require at least a bachelor's degree in a specific field. Collection roles that emphasize analytical tasks, regulatory compliance, or financial analysis have a stronger case than roles framed around phone calls and payment reminders. O*NET classifies related financial roles under job zones that support a specialty occupation argument, so the framing in your employer's H-1B visa petition matters significantly.