J-1 Visa Collections Representative Jobs
Collections Representative roles in the U.S. typically qualify for J-1 sponsorship under the Trainee or Intern program category, connecting you with a State Department-designated sponsor who issues your DS-2019. Positions span debt resolution, accounts receivable, and consumer finance, sectors with consistent host employer demand for exchange visitors.
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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.
See all 10+ Collections Representative jobs
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Get Access To All JobsTips for Finding J-1 Visa Sponsorship in Collections Representative
Match your credentials to the Trainee category
Trainee sponsorship requires at least one year of post-degree work experience or five years in collections, credit, or financial services abroad. Document that experience precisely before approaching any designated sponsor organization.
Target host employers in accounts receivable
Focus your search on healthcare billing departments, financial services firms, and third-party collections agencies. These sectors file training plans most frequently for collections roles and are familiar with J-1 host employer obligations.
Use Migrate Mate to find J-1 aligned roles
Search Migrate Mate to identify U.S. employers posting Collections Representative openings that align with J-1 sponsorship pathways, so you spend less time cold-approaching companies unfamiliar with the exchange visitor program.
Understand the training plan before accepting an offer
Every J-1 Trainee placement requires a signed DS-7002 training plan outlining your role, supervision structure, and learning objectives. Confirm your host employer is willing to complete this document before you accept any offer.
Verify wage compliance with OFLC Wage Search
Your host employer must pay you at least the prevailing wage for collections roles in that geographic area. Cross-check the offered salary against OFLC Wage Search data so you can flag any shortfall before your designated sponsor submits the DS-2019.
Collections Representative jobs are hiring across the US. Find yours.
Find Collections Representative JobsCollections Representative J-1 Visa: Frequently Asked Questions
Which J-1 program category fits a Collections Representative role?
Collections Representative positions most commonly fall under the J-1 Trainee category, which is designed for foreign nationals who have a degree in business, finance, or a related field plus at least one year of post-graduation experience, or five years of relevant work experience abroad. Current students completing a degree may qualify under the Intern category instead, provided the role connects directly to their field of study.
Who actually sponsors my J-1 visa for a collections job?
The visa sponsor is a U.S. Department of State-designated organization such as Cultural Vistas or CIEE, not your employer. Your employer acts as the host organization, providing the training environment and signing the DS-7002 plan. The designated sponsor issues your DS-2019 form, monitors program compliance, and acts as the official point of contact with the State Department throughout your exchange.
How do I find host employers open to J-1 exchange visitors for collections roles?
Most employers in financial services and healthcare billing are unfamiliar with J-1 host obligations unless they have hired exchange visitors before. Migrate Mate lets you search Collections Representative openings filtered for J-1 sponsorship alignment, which helps you prioritize outreach to organizations already familiar with the DS-7002 training plan and designated sponsor coordination process.
What does the DS-7002 training plan require for a collections position?
The DS-7002 must specify the phase-by-phase learning objectives for your collections role, identify your direct supervisor, and set measurable skills benchmarks tied to U.S. financial services practices. Vague plans are the most common reason designated sponsors request revisions. Work with your host employer to detail specific tasks such as account reconciliation procedures, compliance protocols, and collections system training rather than listing duties in broad terms.
Does the two-year home residency requirement apply to J-1 exchange visitors in collections roles?
It depends on your home country and the funding source for your exchange. If your government or an international organization funded your program, or if your home country is on the State Department's skills list, you may be subject to the two-year requirement. This matters if you later want to pursue an H-1B or adjust status, since you cannot change to most nonimmigrant work visas until the requirement is fulfilled or waived.
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