Head Of Collections And Recovery Strategy (Fintech)

TL;DR

Head of Collections and Recovery Strategy (Fintech): Designing and scaling the end-to-end collections and recoveries operation for a rapidly growing US loan book with an accent on process re-engineering, data-driven strategy, and vendor management. Focus on building an analytics function, optimizing delinquency lifecycle performance, and ensuring regulatory compliance in the US market.

Location: Must be based in or able to work from Virginia (Hybrid)

Compensation: $200,000–$250,000 per year + Equity

Company

A profitable, high-growth fintech unicorn rebuilding consumer finance products like loans, credit cards, and car finance using modern technology.

What you will do

• Audit and redesign the entire collections and recoveries operation from first principles.
• Define and own the collections strategy across the full delinquency lifecycle, including charge-off and recovery.
• Build and lead the collections analytics function, including model development and metric definition.
• Manage relationships with third-party collections agencies and legal partners to ensure performance accountability.
• Partner with product and tech teams to implement scalable automation and tooling.
• Collaborate with legal and compliance to maintain a robust regulatory framework across US states.

Requirements

• 4–8 years of experience in US consumer collections or recoveries, ideally within a fast-moving fintech environment.
• Deep familiarity with the US regulatory landscape (FDCPA, state-level rules).
• Strong hands-on analytics capability with experience building models and defining performance metrics.
• Proven track record of redesigning complex operational processes from the ground up.
• Ability to influence cross-functional stakeholders including product, risk, and senior leadership.
• Must be eligible to work in the US.

Nice to have

• Passionate about incorporating artificial intelligence into customer support and collections workflows.

Culture & Benefits

• Best-in-class compensation package including equity.
• Hybrid work model with flexibility to work from home on Mondays and Fridays.
• Comprehensive 401k plan.
• Full medical insurance coverage, including optical and dental.

Hiring process

• Introductory call with the hiring team.
• Case study interview.
• Regulatory, product, and final leadership interviews.