Collections Risk Management Lead

Flex

Analytics professional with credit analytics expertise supporting risk management and portfolio management. Analyzing data for informed credit decisions and risk assessments in a remote role.

Posted 5/9/2026full-timeRemote • 🇺🇸 United StatesSenior💰 $150,000 - $250,000 per yearWebsite

Tech Stack

Tools & technologies

PythonSQL

About the role

Key responsibilities & impact

Analyze new applicant data to support automated and manual credit decisioning.
Work with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc).
Leverage insights from adjacent product usage (e.g., business banking, payments platforms) to evaluate risk profiles.
Build dashboards or tools to surface real-time indicators for underwriting and fraud detection.
Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement.
Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B).
Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies.
Develop behavioral segments and performance cohorts for proactive account management.
Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates.
Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns.
Assist in identifying drivers of loss and opportunities for margin improvement.

Requirements

What you’ll need

5–15 years of hands-on Collections risk management experience; direct exposure to both a bank or regulated card program and a fintech strongly preferred
Hands-on familiarity with the full delinquency lifecycle: DPD bucket management, treatment strategy design, charge-off policy, recovery curve modeling, and net loss attribution
Practical experience managing or working alongside third-party collections agencies — understands liquidation economics, placement timing trade-offs, cost-to-collect dynamics, and how to build a KPI framework that holds vendors accountable without creating perverse incentives
Analytically self-sufficient: proficient in SQL and Python or R; capable of building roll rate matrices, cure rate cohorts, and recovery forecasts from raw data rather than consuming pre-built reports
Familiar with the regulatory overlay on collections: FDCPA obligations, Reg F communication rules, UDAAP considerations in treatment strategy design, and state-level restrictions that affect contact and remediation practices
Understands the distinct dynamics of SMB collections — cash flow seasonality, the owner as guarantor, and where standard consumer treatment logic breaks down

Benefits

Comp & perks

🌐 Worldwide ❌ Jobs You've Hidden ⭐️ Saved Jobs ✅ Applied Jobs ✉️ Email Alerts 👤 Account Flex Website LinkedIn All Job Openings 11 - 50 employees 💰 $100M Debt Financing on 2023-09 End-to-end finance platform for businesses. Collections Risk Management Lead Job not on LinkedIn 🔥 3 minutes ago 🇺🇸 United States – Remote 💵 $150k - $250k / year ⏰ Full Time 🟠 Senior 📞 Collections 🦅 H1B Visa Sponsor Apply Now Find Hiring Managers Customize resume + cover letter Report problem ☆ Save ☑️ Mark as applied ❌ Hide 📋 Description
Analyze new applicant data to support automated and manual credit decisioning.
Work with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc).
Leverage insights from adjacent product usage (e.g., business banking, payments platforms) to evaluate risk profiles.
Build dashboards or tools to surface real-time indicators for underwriting and fraud detection.
Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement.
Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B).
Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies.
Develop behavioral segments and performance cohorts for proactive account management.
Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates.
Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns.
Assist in identifying drivers of loss and opportunities for margin improvement. 🎯 Requirements
5–15 years of hands-on Collections risk management experience; direct exposure to both a bank or regulated card program and a fintech strongly preferred
Hands-on familiarity with the full delinquency lifecycle: DPD bucket management, treatment strategy design, charge-off policy, recovery curve modeling, and net loss attribution
Practical experience managing or working alongside third-party collections agencies — understands liquidation economics, placement timing trade-offs, cost-to-collect dynamics, and how to build a KPI framework that holds vendors accountable without creating perverse incentives
Analytically self-sufficient: proficient in SQL and Python or R; capable of building roll rate matrices, cure rate cohorts, and recovery forecasts from raw data rather than consuming pre-built reports
Familiar with the regulatory overlay on collections: FDCPA obligations, Reg F communication rules, UDAAP considerations in treatment strategy design, and state-level restrictions that affect contact and remediation practices
Understands the distinct dynamics of SMB collections — cash flow seasonality, the owner as guarantor, and where standard consumer treatment logic breaks down Apply Now 📊 Check your resume score for this job Improve your chances of getting an interview by checking your resume score before you apply. Check Resume Score Similar Jobs Collections Specialist 🔥 5 hours ago HealthMark Group 501 - 1000 ⚕️ Healthcare Insurance 📋 Compliance Website LinkedIn All Job Openings Collections Specialist responsible for monitoring accounts receivable and following up on overdue payments. Join HealthMark in making health information accessible to patients and providers. 🇺🇸 United States – Remote 💵 $18 - $20 / hour ⏰ Full Time 🟡 Mid-level 🟠 Senior 📞 Collections Collections Specialist 🔥 13 hours ago ALTUS Receivables Management 201 - 500 💸 Finance Website LinkedIn All Job Openings Consumer Collections Specialist handling past-due accounts for ARMStrong Insurance Services. Responsible for contacting consumers and negotiating payment arrangements while ensuring compliance with regulations. 🇺🇸 United States – Remote 💵 $17 / hour ⏰ Full Time 🟡 Mid-level 🟠 Senior 📞 Collections Manager, Collections & Recoveries 🔥 17 hours ago Forbright Bank 201 - 500 🏦 Banking 💸 Finance 🌍 Social Impact Website LinkedIn All Job Openings Manager of Collections & Recoveries responsible for collections strategies and vendor oversight. Collaborating with internal analytics to enhance performance and compliance in consumer lending operations. 🇺🇸 United States – Remote 💵 $70k - $80k / year ⏰ Full Time 🟡 Mid-level 🟠 Senior 📞 Collections Revenue Cycle Specialist II – Commercial Collections 🕒 2 days ago Cedars-Sinai 10,000+ employees Website LinkedIn All Job Openings Revenue Cycle Specialist II providing commercial collections support to Patient Financial Services at Cedars Sinai. Reviewing claims, account activities, and ensuring accurate patient account information. 🇺🇸 United States – Remote 💵 $24 - $35 / hour ⏰ Full Time 🟡 Mid-level 🟠 Senior 📞 Collections DME Collections Specialist II 🕒 2 days ago Solventum 10,000+ employees ⚕️ Healthcare Insurance 📚 Education 🧘 Wellness Website LinkedIn All Job Openings DME Collections Specialist II performing medical collections at Solventum. Analyzing accounts receivable and resolving discrepancies in healthcare billing. 🇺🇸 United States – Remote 💵 $45.4k - $62.4k / year ⏰ Full Time 🟡 Mid-level 🟠 Senior 📞 Collections View More Collections Jobs 🌐 Worldwide Built by Lior Neu-ner. I'd love to hear your feedback — Get in touch via DM or support@remoterocketship.com Search Search Jobs by country Search jobs by city Search jobs by job title Search entry-level jobs Search junior-level jobs Search senior-level jobs Search jobs by tech stack Search jobs by contract type Search remote internships Search remote part-time jobs Remote jobs Anywhere in the World Companies Hiring Anywhere in the World Companies Hiring Sales People Anywhere in the World Companies Hiring Software Engineers Anywhere in the World Resources Advice Tips for finding remote jobs Interview questions and answers Resume examples Cover letter examples Post a job Affiliates Privacy policy Terms of service Job board SEO course AI Apply Copilot OpenClaw job finder Jobs by Country Remote jobs anywhere in the world (Worldwide remote jobs) Remote jobs United States Remote jobs Australia Remote jobs Brazil Remote jobs Canada Remote jobs France Remote jobs Ireland Remote jobs Germany Remote jobs Netherlands Remote jobs Spain Remote jobs UK Popular Jobs Remote data analyst jobs Remote customer support jobs Remote executive assistant jobs Remote marketing jobs Remote product designer jobs Remote product manager jobs Remote project manager jobs Remote recruiter jobs Remote sales jobs Remote software engineer jobs Jobs by Type Remote full-time jobs Remote part-time jobs Remote contract jobs Remote internship jobs Remote entry-level jobs Remote jobs with no experience required Remote junior jobs (1-3 years of experience) Digital nomad jobs Remote jobs with no degree required Freelance remote jobs Temporary remote jobs Remote jobs hiring now Stay at home mom jobs

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Hard Skills & Tools

SQLPythonRcredit decisioningrisk modelingcollections strategydata analysisdashboard buildingbehavioral segmentationP&L analysis

Soft Skills

analytical skillsself-sufficiencycommunicationcollaborationproblem-solvingstrategic thinkingaccountabilityvendor managementadaptabilityinsight generation