Collections Legal and Recovery Compliance Manager

First Help Financial

Collections Legal and Recovery Compliance Manager managing legal and compliance gates for First Help Financial. Designing a structured post charge-off recovery program from scratch.

Posted 6/9/2026full-timeRemote • Massachusetts • 🇺🇸 United StatesMid-LevelSenior💰 $130,000 per yearWebsite

About the role

Key responsibilities & impact

Design and own the qualification criteria that determine which accounts with a defiance balance are eligible for legal escalation.
Monitor the legal escalation pipeline to confirm the right accounts are being worked and the criteria are being applied accurately.
Review and approve all settlement letter content before any mail is sent.
Review and approve the deficiency collection contact script and settlement authority structure before they are used with borrowers.
Own the legal and compliance reporting within the collections KPI package.
Complete FDCPA and UDAAP review of consumer-facing components before launch and provide sign-off.
Build and maintain a state-by-state legal viability map for deficiency collections across the portfolio.
Ensure all deficiency collection approaches across borrower segments are anchored to loan attributes, not internal product or program classification.
Manage bankruptcy filings across the portfolio.
Coordinate responses with compliance on CFPB inquiries, state attorney general matters, and consumer complaints escalated through regulatory channels.
Build and deliver compliance training for post charge-off staff before any live account is worked.
Vet all third-party collection agencies before any account is placed.
Own the ongoing agency compliance program.
Oversee third-party BPO partners working post charge-off accounts.
Lead outside counsel evaluation and selection for the legal escalation pipeline.
Write and maintain all policies and procedures for the post charge-off collections program.
Manage active collections-related litigation in coordination with outside counsel.
Identify process gaps that create legal exposure or leave recovery on the table.
Serve as the legal and compliance resource for daily questions from collection agents, team leads, and directors.
Hire and develop direct reports as program volume increases.

Requirements

What you’ll need

5 or more years of experience in legal operations, compliance management, or collections oversight within consumer lending, auto finance, or a third-party collection agency.
Demonstrated historical career stability
Experience in non-prime or subprime auto lending specifically.
Working knowledge of FDCPA, UDAAP, and applicable state consumer protection laws as they apply to post charge-off collections.
Experience managing bankruptcy filings across a consumer lending portfolio and handling SCRA compliance for servicemember accounts.
Has managed outside counsel relationships.
Has worked in or alongside a deficiency recovery operation.
Able to read and interpret collections performance data without needing a data team to validate whether a program is performing.
Bachelor's degree required JD, paralegal certification, or CRCM preferred but not required.

Benefits

Comp & perks

Generous salaries
Competitive health and welfare benefits (medical, dental, vision, LTD/STD, Identity theft, paid parental leave and much more)
Paid vacation
401(k) match
Tuition reimbursement
Social activities
Monthly lunches
Robust employee recognition and talent development program

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills & Tools

legal operationscompliance managementcollections oversightbankruptcy filingsFDCPAUDAAPSCRA compliancecollections performance data interpretationdeficiency recovery operation

Soft Skills

leadershipcommunicationorganizational skillstraining developmentproblem identification

Certifications

JDparalegal certificationCRCM