Collections Risk Management Lead job opportunity at Jobgether.

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Date2026-05-13 bot
Jobgether Collections Risk Management Lead
Experience: 15-years
Pattern: Full-time
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degreeHigh School (S.S.C.E)
loacation US, United States
loacation US....United States
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<p> </p><p data-start="0" data-end="150"><strong>This position is posted by Jobgether on behalf of a partner company. We are currently looking for a Collections Risk Management Lead in United States.</strong></p> <p data-start="152" data-end="1141">This is a senior risk leadership role at the center of a rapidly scaling fintech platform focused on redefining financial services for business owners. You will own the end-to-end collections and delinquency strategy for a credit card portfolio spanning consumer and small business segments, shaping how risk is managed from early delinquency through recovery and charge-off. The role combines deep analytical rigor with strategic decision-making, requiring you to design treatment strategies, optimize recovery performance, and balance regulatory compliance with financial outcomes. You will operate as a key member of the risk leadership team, partnering closely with credit, finance, legal, and operations to drive portfolio performance. This is a highly influential position where your work directly impacts loss rates, recovery economics, and customer treatment standards. The environment is fast-paced, data-driven, and built for senior operators who thrive in ownership-heavy roles.</p> <p></p>\n<p></p><p><br></p><b>Accountabilities:</b><div> <ul data-start="1167" data-end="2686"> <li data-section-id="y8dukh" data-start="1167" data-end="1337">Own the full lifecycle of collections risk strategy across early delinquency, late-stage collections, charge-off, and recovery for consumer and SMB credit portfolios.</li> <li data-section-id="no36ij" data-start="1338" data-end="1507">Design and optimize treatment strategies across DPD buckets, including contact strategies, segmentation, channel mix, and intervention timing to maximize cure rates.</li> <li data-section-id="14mvvyq" data-start="1508" data-end="1668">Lead analytical frameworks for hardship programs, settlements, and modification strategies, ensuring optimal balance between recovery and customer outcomes.</li> <li data-section-id="1ludr1q" data-start="1669" data-end="1832">Define and govern vendor and third-party collections strategy, including placement timing, performance management, and KPI frameworks to maximize net recovery.</li> <li data-section-id="xqk2l7" data-start="1833" data-end="1999">Develop settlement and litigation strategies based on risk segmentation, balance tiers, and expected recovery value, including SMB owner liability considerations.</li> <li data-section-id="1tyywmz" data-start="2000" data-end="2123">Own charge-off policy, recovery forecasting, and loss curve modeling across vintages, channels, and portfolio segments.</li> <li data-section-id="w0n230" data-start="2124" data-end="2265">Build end-to-end collections analytics frameworks that identify early deterioration signals and enable proactive intervention strategies.</li> <li data-section-id="fpuq9t" data-start="2266" data-end="2444">Partner with cross-functional teams including credit risk, finance, legal, compliance, and operations to align collections strategy with broader risk and business objectives.</li> <li data-section-id="tphmue" data-start="2445" data-end="2591">Lead collections performance reviews and present insights, forecasts, and vendor performance updates to senior leadership and risk committees.</li> <li data-section-id="1q3romv" data-start="2592" data-end="2686">Contribute to stress testing and loss forecasting models under adverse economic scenarios.</li> </ul> <p data-start="2688" data-end="2707"><strong data-start="2688" data-end="2705">Requirements:</strong></p> <ul data-start="2708" data-end="3877"> <li data-section-id="4nm2sr" data-start="2708" data-end="2857">7–15 years of experience in collections risk management, credit risk, or portfolio analytics within fintech, banking, or regulated card programs.</li> <li data-section-id="1t0oek0" data-start="2858" data-end="3000">Strong end-to-end understanding of delinquency lifecycle management, including roll rates, cure rates, charge-offs, and recovery modeling.</li> <li data-section-id="ehp1rv" data-start="3001" data-end="3151">Hands-on experience managing or partnering with third-party collections agencies and understanding placement economics and performance trade-offs.</li> <li data-section-id="dqllqn" data-start="3152" data-end="3282">Strong quantitative skills with proficiency in SQL and either Python or R for building and analyzing risk and recovery models.</li> <li data-section-id="aynaqo" data-start="3283" data-end="3418">Deep understanding of regulatory frameworks impacting collections, including FDCPA, Reg F, UDAAP, and related compliance standards.</li> <li data-section-id="1vgnrbs" data-start="3419" data-end="3538">Experience working with SMB or business lending portfolios and understanding unique small business credit dynamics.</li> <li data-section-id="999phf" data-start="3539" data-end="3651">Strong strategic thinking and ability to design scalable collections frameworks in high-growth environments.</li> <li data-section-id="1f1wj98" data-start="3652" data-end="3771">Excellent communication skills with the ability to translate complex risk data into clear executive-level insights.</li> <li data-section-id="2zwrwi" data-start="3772" data-end="3877">Strong ownership mindset with the ability to operate independently and influence senior stakeholders.</li> </ul> <p data-start="3879" data-end="3894"><strong data-start="3879" data-end="3892">Benefits:</strong></p> <ul data-start="3895" data-end="4497"> <li data-section-id="n31owo" data-start="3895" data-end="3976">Competitive compensation aligned with senior risk leadership roles in fintech</li> <li data-section-id="1ha1z53" data-start="3977" data-end="4042">Equity participation in a high-growth, venture-backed company</li> <li data-section-id="1qgs90m" data-start="4043" data-end="4105">Fully remote or hybrid flexibility depending on role setup</li> <li data-section-id="37dy5v" data-start="4106" data-end="4172">Opportunity to build foundational risk infrastructure at scale</li> <li data-section-id="4yh4ct" data-start="4173" data-end="4264">High-impact leadership role with direct influence on portfolio performance and strategy</li> <li data-section-id="1g6unen" data-start="4265" data-end="4335">Exposure to advanced fintech credit, payments, and lending systems</li> <li data-section-id="zgdq2q" data-start="4336" data-end="4410">Collaborative, high-ownership culture with strong executive visibility</li> <li data-section-id="hfc1zc" data-start="4411" data-end="4497">Comprehensive benefits package including healthcare, retirement, and paid time off</li> </ul> </div><p><br></p><p></p>\n<p><strong>How Jobgether works:</strong></p> <p>We use an <strong>AI-powered matching process</strong> to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.</p> <p>We appreciate your interest and wish you the best!</p> <p><a href="https://jobgether.com/how-jobgether-works">&nbsp;Why Apply Through Jobgether?</a>&nbsp;</p> <p>&nbsp;</p> <p><strong>Data Privacy Notice:</strong> By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.</p> <p>&nbsp;</p> <p>&nbsp;</p> <p>#LI-CL1</p>

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