Collections Risk Management Lead

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.

• 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:

• 7–15 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.