• Conduct a full diagnostic of existing treatment paths, channel dependency, saturation levels, and performance breakpoints. • Identify opportunities to shift from a one-size-fits-all model to highly personalized, segmentation-driven strategies. • Lead the strategic roadmap to modernize collections using analytics, digital engagement, automation, and AI/ML. • Design new segmentation frameworks, risk-based treatment paths, and personalized engagement journeys. • Build and deploy AI/ML-informed strategies, including repayment propensity models, roll prediction, optimal contact timing, and next-best-action recommendations. • Rapidly develop and implement champion/challenger tests, ensuring continuous experimentation and measurable improvement. • Serve as the primary driver of execution, overseeing business requirements, UAT, strategy deployment, and post-launch monitoring. • Reduce reliance on phone outreach by expanding digital-first strategies across SMS, email, IVR, self-service, and automated flows. • Implement decisioning and orchestration platforms that enable real-time personalization and strategy optimization. • Partner with vendors and internal technology teams to evaluate and integrate new tools that enhance collections performance. • Define and own the evaluation of strategy effectiveness (cure rates, roll rates, loss mitigation, liquidation, cost-to-collect). • Conduct deep-dive analyses on customer behavior, channel performance, and economic trends to refine strategies. • Provide strategic insights and recommendations to senior leadership regarding portfolio performance and loss forecasting. • Collaborate closely with Credit Risk, Operations, Data Science, Product, and Engineering to ensure seamless strategy development and deployment. • Ensure all strategies comply with FDCPA, UDAAP, TCPA, and other regulatory requirements. • Promote a customer-centric, ethical approach to engagement and repayment solutions.