This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Collections Risk Management Lead in United States.
This is a high-impact opportunity for an experienced risk management professional to lead and evolve collections strategy within a fast-scaling, technology-driven financial environment. In this role, you will oversee the full collections lifecycle across consumer and small business credit portfolios, driving data-informed strategies that optimize recovery performance while maintaining strong customer treatment standards. You will work cross-functionally with senior stakeholders in risk, legal, finance, and operations to shape scalable frameworks, improve portfolio performance, and support long-term business growth. The position offers significant ownership, strategic influence, and the opportunity to build best-in-class collections capabilities in a highly innovative and analytical environment. Ideal candidates are both strategic thinkers and hands-on operators who thrive in fast-paced settings and enjoy solving complex financial risk challenges. This role is well-suited for professionals passionate about analytics, operational excellence, and modern credit risk management.
Accountabilities:
- Own end-to-end collections risk management across consumer and small business credit portfolios, including early-stage delinquency, late-stage collections, recoveries, and post-charge-off activities.
- Design and optimize treatment strategies based on risk segmentation, balance tiers, payment behavior, and recovery probability to maximize cure rates and minimize losses.
- Develop analytical frameworks to monitor delinquency migration, roll rates, cure trends, re-default patterns, and recovery performance across portfolio segments.
- Manage hardship and modification program analytics, ensuring appropriate utilization and evaluating long-term customer outcomes.
- Define and oversee settlement strategies, balancing discounted resolutions with long-term recovery optimization and operational efficiency.
- Lead third-party collections agency and vendor management, including performance measurement, KPI development, compliance oversight, and cost-to-collect optimization.
- Establish litigation referral frameworks and recovery escalation strategies based on account characteristics, legal viability, and expected recovery outcomes.
- Build forecasting models for charge-offs, recovery curves, and stress testing scenarios to support financial planning and risk management decisions.
- Partner closely with cross-functional teams including legal, compliance, finance, credit, and operations to ensure alignment between collections strategy, regulatory requirements, and customer experience standards.
- Present collections insights, portfolio performance trends, and strategic recommendations to senior leadership and risk committees.
Requirements:
- 7β15 years of hands-on experience in collections risk management, preferably within regulated banking, credit card, fintech, or financial services environments.
- Strong expertise across the full delinquency lifecycle, including treatment strategy design, charge-off policy management, recovery analytics, and loss forecasting.
- Practical experience managing third-party collections agencies and understanding vendor performance metrics, liquidation economics, and operational trade-offs.
- Advanced analytical and technical skills, including proficiency in SQL and Python or R for building risk models, recovery forecasts, and performance analyses from raw datasets.
- Deep understanding of collections-related regulatory frameworks, including FDCPA, Reg F, UDAAP considerations, and state-level compliance requirements.
- Experience working with small business credit portfolios and understanding the unique dynamics of SMB collections, including owner guarantees and seasonal cash flow patterns.
- Strong quantitative reasoning and the ability to identify portfolio anomalies, emerging risks, and operational improvement opportunities proactively.
- Excellent communication and presentation skills, with the ability to translate complex risk and recovery data into actionable business insights for executive stakeholders.
- Strategic mindset combined with a hands-on, ownership-driven approach to problem-solving and operational execution.
Benefits:
- Competitive annual base salary ranging from $150,000 to $250,000 USD.
- Equity participation opportunities as part of a strong ownership-focused culture.
- Opportunity to shape and scale critical risk management functions within a rapidly growing organization.
- High-impact role with direct exposure to executive leadership and strategic decision-making.
- Collaborative, fast-paced, and innovation-driven work environment.
- Significant career growth and advancement opportunities within a scaling financial technology ecosystem.
- Flexible and modern workplace culture focused on autonomy, accountability, and performance.
How Jobgether works:
We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.
We appreciate your interest and wish you the best!
Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.
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