Test and iterate rapidly on different collections strategies, testing new outreach techniques, incentives, and risk-based approaches.
Design and implement predictive collections scoring and automation, leveraging segmentation, data analytics, machine learning, and vendors to optimize recovery rates.
Develop and scale collections outreach models—across digital, automated, and agent-led channels—to maximize efficiency and performance.
Coordinate and manage relationships with external collection agencies to ensure aligned strategy, consistent performance, and compliance.
Build and lead a high-performing collections strategy and analytics team, ensuring best-in-class execution and continuous improvement.
Work cross-functionally with Credit, Data Science, Product, Growth, and Operations teams to refine collections strategy, enhance underwriting insights, and drive innovation.
Own key collections KPIs, including delinquency rates, recovery efficiency, and overall portfolio performance, ensuring financial targets are met.
Ensure compliance with all relevant regulatory requirements

4+ years of experience in collections strategy, risk analytics, and credit risk management in financial services, preferably in consumer lending fintech.
Proven expertise in data-driven collections strategies, risk segmentation, and model-driven outreach optimization.
Deep familiarity with AI-driven collections scoring, automation, and optimization techniques is highly preferred.
Strong analytical skills; Happy to be hands-on and in the weeds driving analysis themselves.
Experience working with cross-functional teams and managing complex initiatives in high-growth, fast-scaling environments.
Excellent verbal and written communication skills, ability to communicate to an executive audience.
Proficiency in SQL and analytics platforms is a strong plus.
Experience working with regulatory frameworks and compliance requirements in lending/collections is a plus.

Virtual-first teamwork: The Tilt team is collaborating across 14 countries, 12 time zones, and counting. You’ll get started with a WFH office reimbursement.
Competitive pay: We're big on potential, and it's reflected in our competitive compensation packages and generous equity.
Complete support: Find flexible health plans at every premium level, and substantial subsidies that stand up to global standards.
Visibility is yours: You can count on direct exposure to our leadership team — we’re a team where good ideas travel quickly.
Paid global onsites: Magic happens IRL: we gather twice yearly to reconnect over shared meals or kayaking adventures. (We’ve visited Vail, San Diego, and Mexico City, to name a few.)
Impact is recognized: Growth opportunities follow your contributions, not rigid promotion timelines.

Collections Strategy & Operations Manager

Key skills