Collections Specialist
Ncontracts
Director of Collections Strategy
Imprint
full-time
Posted on:
Location Type: Remote
Location: Remote • 🇺🇸 United States
Visit company websiteSalary
💰 $200,000 - $230,000 per year
Job Level
Lead
Tech Stack
PythonSQLTableau
About the role
- Own and lead the strategic design, development, and ongoing optimization of Imprint’s early- and late-stage collections and recovery strategies, overseeing the testing and implementation of innovative contact and loss mitigation initiatives.
- Develop and maintain robust metrics, dashboards, and monitoring tools to evaluate portfolio performance, identify emerging risks, and drive continuous improvement.
- Analyze delinquency, roll rate, and recovery trends, and partner with Data Science to build predictive models that enhance collections strategy, decision-making, and operational efficiency.
- Forecast collections losses, delinquency rates, roll rates, and recoveries using statistical and data-driven methods, providing actionable insights and recommending proactive mitigation strategies.
- Collaborate with Risk, Product, and Compliance teams to ensure collections strategies align with business objectives, credit policies, and regulatory standards.
- Ensure full compliance with federal and state debt collection regulations (including FDCPA, UDAAP, FCRA, TCPA, and CFPB guidelines) through close partnership with Legal, Compliance, and Audit teams to uphold strong governance and oversight across all collections activities.
Requirements
- 7+ years of experience in credit card risk management, loss mitigation, collections and recovery strategy within financial services.
- Deep expertise in credit card portfolio and lifecycle risk management, with exceptional analytical, investigative, and problem-solving skills.
- Hands-on experience with data and analytics tools (SQL, Python, SAS) and proficiency with visualization platforms such as Looker or Tableau; strong understanding of statistical modeling, machine learning, and advanced decisioning systems.
- Comprehensive understanding of collections typologies and key performance metrics, including early- and late-stage delinquency, NCOA rates, roll rates, defaults, reages etc.
- Strong communicator skilled at turning complex data into clear, actionable insights for diverse audiences.
- Thorough knowledge of U.S. collections compliance and consumer protection regulations, ensuring full adherence to FDCPA, UDAAP, FCRA, TCPA, and similar regulations.
- Comfort in a fast-paced startup environment where priorities shift quickly.
Benefits
- Competitive compensation and equity packages
- Leading configured work computers of your choice
- Flexible paid time off
- Fully covered, high-quality healthcare, including fully covered dependent coverage
- Additional health coverage includes access to One Medical and the option to enroll in an FSA
- 16 weeks of paid parental leave for the primary caregiver and 8 weeks for all new parents
- Access to industry-leading technology across all of our business units, stemming from our philosophy that we should invest in resources for our team that foster innovation, optimization, and productivity
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
credit card risk managementloss mitigationcollections strategydata analysisstatistical modelingmachine learningpredictive modelingportfolio performance metricsdata-driven decision makingadvanced decisioning systems
Soft skills
analytical skillsproblem-solving skillscommunication skillscollaborationadaptability
