Drive Portfolio Performance
Own collections strategy across the full lifecycle, from early-stage delinquency through recovery
Monitor portfolio trends, identify risks, and turn insights into strategies that improve loss, recovery, and member outcomes
Build early warning indicators to proactively manage credit performance in a changing macro environment
Design and implement digital-first collections strategies that support members and improve resolution outcomes
Develop tailored approaches for new and evolving products
Improve self-service, multichannel engagement, and personalization
Lead testing and experimentation to continuously improve collections performance
Advance segmentation, decisioning, and treatment strategies using analytics and behavioral insights
Work closely with Credit Risk, Product, Operations, Marketing, Finance, and Technology to align on strategy
Partner with Compliance and Legal to ensure strategies meet regulatory expectations
Lead and develop a high-performing Collections Strategy & Analytics team
Define reporting, analytics, and performance management frameworks
Enhance hardship and relief programs to better support members

10+ years of experience in analytics, credit risk, or collections strategy within financial services or fintech
Strong experience in consumer lending, ideally in purchase finance, point-of-sale lending, or home improvement loans
Proven track record of building data-driven collections strategies that improve performance and customer experience
Hands-on experience with SQL, Python or R, and BI tools such as Tableau or Qlik
Experience with testing, segmentation, and portfolio analytics at scale
Deep understanding of the credit lifecycle, collections strategies, and recovery optimization
Experience building and leading high-performing teams
Bachelor’s degree in a related field; or equivalent work experience

Collections Strategy Director, Purchase Finance – Home Improvement Financing

Key skills