Director, Collections Decision Science – Strategy

Aqua Finance, Inc.

Director of Collections Decision Science leading predictive decisioning strategies for outbound collections. Collaborating with various teams to deliver effective and compliant strategies.

Posted 6/12/2026full-timeRemote • Illinois, Minnesota, North Carolina • 🇺🇸 United StatesLeadWebsite

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

predictive modelingmachine learningstatistical modelsA/B testingSQLPythonRdata analysiscollections strategycredit risk analytics

Soft Skills

communicationstakeholder managementinfluencingcollaborationleadershiporganizational skillsanalytical thinkingproblem-solvingstrategic thinkingadaptability

Tools & Technologies

Pega CollectionsDebt ManagerAspectGenesysNobledecision enginesdialer orchestration toolscollections platformsexecutive reporting toolsdashboards

Industry Keywords

FDCPATCPACAN-SPAMRegulation FUDAAPregulatory compliancecollections operationscustomer segmentationoperational efficiencyportfolio behavior

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Leads the design, deployment, optimization, and governance of predictive decisioning strategies supporting outbound collections operations
Develops, validates, deploys, and optimizes predictive models supporting collections segmentation, prioritization, and treatment strategies
Operationalizes machine learning and statistical models directly within collections and decisioning platforms
Translates model outputs into executable decision logic, workflows, thresholds, routing rules, and contact strategies
Monitors production model performance and recalibrates strategies based on drift, operational outcomes, regulatory changes, and portfolio behavior
Designs and manages customer segmentation strategies aligned to delinquency stage, risk tiers, roll rates, payment behavior, and customer engagement patterns
Defines and governs outbound contact policies, including channel prioritization, cadence strategies, suppression logic, quiet hours, and contact frequency limits
Leads A/B and multivariate testing initiatives across messaging, channel mix, pacing, cadence, and strategy execution
Partners with Dialer Operations and Workforce Management teams to optimize list generation, routing, pacing, penetration rates, and operational efficiency
Develops and maintains executive-level reporting and dashboards measuring RPC, PTP, liquidation rates, cures, roll rates, recovery performance, and operational KPIs
Maintains model governance documentation, change management controls, validation standards, audit readiness, and regulatory compliance support
Collaborates cross-functionally with Compliance, Legal, Technology, Data Engineering, and Operations teams to ensure decision strategies remain compliant, scalable, and operationally effective
Evaluates emerging technologies, decisioning capabilities, and analytics methodologies to continuously improve collections performance and customer outcomes.

Requirements

What you’ll need

Bachelor’s degree in Analytics, Data Science, Statistics, Mathematics, Computer Science, Finance, Economics, or a related field, or commensurate work experience required
7 years of experience in decision science, collections strategy, credit risk analytics, or predictive modeling within a regulated financial services environment
Hands-on experience developing and deploying predictive models into production decisioning or collections platforms
Experience operationalizing machine learning models such as XGBoost, decision trees, logistic regression, or similar predictive methodologies
Strong SQL skills with working knowledge of Python and/or R
Experience with collections platforms, decision engines, or dialer orchestration tools such as Pega Collections, Debt Manager, Aspect, Genesys, Noble, or similar technologies
Demonstrated experience designing and analyzing A/B testing and champion/challenger strategies in production environments
Strong understanding of FDCPA, TCPA, CAN-SPAM, Regulation F, UDAAP, and applicable privacy regulations impacting collections operations
Experience translating analytical insights into operational strategies and measurable business outcomes
Strong communication and stakeholder management skills with the ability to influence cross-functional teams and executive leadership.

Benefits

Comp & perks

Health insurance
Retirement plans