🛠 Tech Stack

💼 About This Role

You'll lead collections risk strategy for a rapidly scaling fintech platform, owning delinquency and recovery for consumer and SMB credit card portfolios. Your work directly shapes loss rates, recovery economics, and customer treatment standards in a high-ownership, data-driven environment.

🎯 What You'll Do

• Own collections risk strategy across delinquency lifecycle for consumer and SMB portfolios
• Design treatment strategies including segmentation, channel mix, and intervention timing
• Optimize vendor and third-party collections placement and performance
• Develop settlement, modification, and litigation strategies based on risk segmentation
• Build analytics frameworks to identify early deterioration signals

📋 Requirements

• 7-15 years experience in collections risk management or credit risk in fintech/banking
• Strong understanding of delinquency lifecycle management including roll rates and recovery modeling
• Hands-on experience with third-party collections agencies and placement economics
• Proficiency in SQL and Python or R for risk and recovery models

✨ Nice to Have

• Experience with SMB or business lending portfolios
• Deep understanding of regulatory frameworks (FDCPA, Reg F, UDAAP)
• Experience in high-growth fintech environments

🎁 Benefits & Perks

• 💰 Competitive compensation with equity in venture-backed company
• 🏠 Fully remote or hybrid flexibility
• 📈 High-impact leadership role with direct influence on portfolio performance
• 🏥 Comprehensive benefits including healthcare, retirement, and PTO

📨 Hiring Process

Estimated timeline: 2-4 weeks · AI estimate

1. 1Recruiter screen· 30 min
2. 2Technical interview· 60 min
3. 3Hiring manager interview· 45 min
4. 4Offer· N/A