Collections Risk Management Lead

📋 Description

• Evaluate incoming applicant data to assist in both automated and manual credit decision-making processes.

• Collaborate with data obtained from business financial statements, tax documents, and banking integrations (such as Quickbooks, Netsuite, Plaid, etc.).

• Utilize insights from related product utilization (including business banking and payment platforms) to assess risk profiles.

• Create dashboards or tools that highlight real-time indicators for underwriting and fraud detection.

• Observe account-level behavior after origination, including spending and payment patterns, credit utilization, and customer engagement.

• Detect signs of declining creditworthiness by analyzing internal data and external credit reports (e.g., Experian, D&B).

• Monitor and evaluate delinquency trends and payment consistency to enhance risk models and collection strategies.

• Formulate behavioral segments and performance cohorts for proactive management of accounts.

• Aid in the P&L assessment of the unsecured credit card product, covering interchange income, interest revenue, rewards costs, and charge-off rates.

• Develop models to assess customer lifetime value, profitability segmentation, and risk-adjusted returns.

• Help identify loss drivers and potential opportunities for margin enhancement.

⛳️ Requirements

• 5–15 years of direct experience in Collections risk management; significant exposure to both a bank or regulated card program and a fintech is highly preferred.

• Hands-on knowledge of the complete delinquency lifecycle: managing DPD buckets, designing treatment strategies, charge-off policies, recovery curve modeling, and net loss attribution.

• Practical experience in managing or collaborating with third-party collections agencies — understanding liquidation economics, timing trade-offs for placements, cost-to-collect dynamics, and how to establish a KPI framework that holds vendors accountable without creating adverse incentives.

• Analytically self-reliant: skilled in SQL and Python or R; capable of constructing roll rate matrices, cure rate cohorts, and recovery forecasts directly from raw data instead of relying on pre-made reports.

• Knowledgeable of the regulatory framework surrounding collections: FDCPA obligations, Reg F communication guidelines, UDAAP considerations in treatment strategy development, and state-level restrictions impacting contact and remediation practices.

• Understands the unique aspects of SMB collections — including cash flow seasonality, the owner as a guarantor, and scenarios where standard consumer treatment logic may falter.

🏝️ Benefits

• Comprehensive health and wellness packages.

• Competitive salary and performance-based bonuses.

• Opportunities for professional development and career advancement.

• Flexible work schedules and a supportive work environment.