Best Egg

Director of Collections Strategy – Implementation

Best Egg

full-time

Posted on:

Location Type: Remote

Location: Remote • 🇺🇸 United States

Visit company website
✨ AI Apply
Apply

Salary

💰 $160,000 - $180,000 per year

Job Level

Lead

Tech Stack

PythonSQL

About the role

  • Conduct a full diagnostic of existing treatment paths, channel dependency, saturation levels, and performance breakpoints.
  • Identify opportunities to shift from a one-size-fits-all model to highly personalized, segmentation-driven strategies.
  • Lead the strategic roadmap to modernize collections using analytics, digital engagement, automation, and AI/ML.
  • Design new segmentation frameworks, risk-based treatment paths, and personalized engagement journeys.
  • Build and deploy AI/ML-informed strategies, including repayment propensity models, roll prediction, optimal contact timing, and next-best-action recommendations.
  • Rapidly develop and implement champion/challenger tests, ensuring continuous experimentation and measurable improvement.
  • Serve as the primary driver of execution, overseeing business requirements, UAT, strategy deployment, and post-launch monitoring.
  • Reduce reliance on phone outreach by expanding digital-first strategies across SMS, email, IVR, self-service, and automated flows.
  • Implement decisioning and orchestration platforms that enable real-time personalization and strategy optimization.
  • Partner with vendors and internal technology teams to evaluate and integrate new tools that enhance collections performance.
  • Define and own the evaluation of strategy effectiveness (cure rates, roll rates, loss mitigation, liquidation, cost-to-collect).
  • Conduct deep-dive analyses on customer behavior, channel performance, and economic trends to refine strategies.
  • Provide strategic insights and recommendations to senior leadership regarding portfolio performance and loss forecasting.
  • Collaborate closely with Credit Risk, Operations, Data Science, Product, and Engineering to ensure seamless strategy development and deployment.
  • Ensure all strategies comply with FDCPA, UDAAP, TCPA, and other regulatory requirements.
  • Promote a customer-centric, ethical approach to engagement and repayment solutions.

Requirements

  • Bachelor’s degree in Business, Finance, Data/Computer Science, or related field; Master’s preferred.
  • 10+ years of experience in collections strategy, risk strategy, consumer lending, or analytics-driven servicing environments.
  • Proven experience transforming collections operations from traditional workflows to data-driven, digital-first, segmentation-based execution.
  • Strong analytical skills with hands-on experience in SAS (preferred), SQL, Python, or other analytical tools.
  • Familiarity with decision engines, CRM technologies, dialer platforms, and modern digital engagement tools.
  • Deep understanding of regulatory frameworks governing collections.
  • Demonstrated ability to lead cross-functional initiatives and drive measurable portfolio outcomes.
Benefits
  • Pre-tax and post-tax retirement savings plans with a competitive company matching program
  • Generous paid time-off plans including vacation, personal/sick time, paid short--term and long-term disability leaves, paid parental leave, and paid company holidays
  • Multiple health care plans to choose from, including dental and vision options
  • Flexible Spending Plans for Health Care, Dependent Care, and Health Reimbursement Accounts
  • Company-paid benefits such as life insurance, wellness platforms, employee assistance programs, and Health Advocate programs
  • Other great discounted benefits include identity theft protection, pet insurance, fitness center reimbursements, and many more!

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
analyticsAI/MLSASSQLPythonsegmentation frameworksrepayment propensity modelschampion/challenger testsdecisioning platformsorchestration platforms
Soft skills
analytical skillsleadershipcollaborationstrategic insightscustomer-centric approachcommunicationexecution oversightproblem-solvingcross-functional initiative leadershipmeasurable outcome driving