Director

• Lead the overall recoveries strategy across post charge off collections, debt sales, and bankruptcy portfolios.
• Drive year over year recovery performance through segmentation, treatments, and optimization of internal and external partners.
• Manage the debt sale program including portfolio selection, pricing, diligence, buyer engagement, transaction execution, reconciliation, and reporting.
• Oversee bankruptcy operations including filing accuracy, account monitoring, proof of claim management, and servicing requirements.
• Manage external recovery agencies, bankruptcy partners, and debt buyers through clear expectations, contract negotiation, and performance accountability.
• Partner with Analytics to evaluate segmentation, forecast recovery curves, and measure treatment effectiveness.
• Ensure all processes align with federal and state regulations including FDCPA, bankruptcy law, and investor guidelines.
• Provide accurate and timely reporting of recovery performance, financial impact, trends, and risk indicators.
• Maintain operational controls and audit readiness including data accuracy, payment posting integrity, account status updates, and documentation.
• Identify operational issues affecting recoveries or compliance and lead cross functional resolution.
• Collaborate with Finance on recovery forecasting, revenue planning, and debt sale economics.
• Contribute to broader Risk Operations strategy and represent the Recoveries function in cross functional planning.

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