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Role Description

As Senior Director, Collections Strategy, you will be responsible for the strategic oversight of our collections lifecycle for pre charge off strategy.

• Establish the strategic framework that governs performance across the pre charge-off collections lifecycle
• Design and refine pre charge off operating model including scoring, segmentation, strategy design and execution that includes all channels (agent, digital, outbound/inbound, IVA, AI, etc)
• Partner with cross functional stakeholders to evaluate pre charge off challenges and eliminate points of friction in the collections processes for both internal teams and our customers
• Build and evolve pre charge off processes including payment capability, settlements, reage, hardship programs, dialer/inbound/outbound capability and execution strategy, etc
• Own third party vendor relationships for pre charge off processes
• Establish clear performance and compliance standards
• Lead structured business reviews with vendors
• Drive corrective action plans and performance improvement initiatives
• Partner closely with Compliance, Risk and Legal to ensure vendor oversight aligns with regulatory expectations and third party risk standards, including audit readiness
• Collaborate with Product and Technology teams on system capabilities and requirements to support pre charge off processes
• Collaborate with Operations leaders to unlock performance opportunities and drive collector effectiveness through targeted skills development, coaching frameworks, optimized tools and scalable process improvements

Qualifications

• 10+ years of experience in consumer lending leading collections and recovery including vendor management
• Strong understanding of pre charge off collection environments including analytic and strategic capability
• Proven experience designing and/or executing collections strategies in multiple channels and stages in the collections lifecycle
• Strategic thinker who can balance performance optimization with compliance discipline
• Strong understanding of regulatory requirements associated with governing collections and servicing consumer debt
• Customer first mindset with a passion for delivering solutions that help them get back on track and stay there

Benefits

• Mission driven, empowered, and collaborative culture
• Competitive pay and stock options
• Unlimited PTO
• Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
• Newly added HSA and Pet Insurance
• 401(k) with company match
• Cell Phone Stipend
• Team-based strategic planning and ownership of deliverables