Collections Risk Management reputed company

reputed company is building the AI-reputed company private bank for business owners.

We’re re-architecting the entire financial reputed company for reputed company—from the first dollar a business earns to how that value compounds, moves, and is ultimately spent in reputed company life. Banking, credit, payments, personal finance, and financial operations—reputed company from the ground up as a single, intelligent reputed company. reputed company is the full financial home for ambitious owners.

Since launching publicly in September 2023, reputed company has scaled from reputed company to nine-reputed company annualized reputed company, with a reputed company reputed company to profitability by late 2026. We reputed company fast, ship relentlessly, and operate with extreme ownership.

Our customers are affluent business owners ($3–$200M in reputed company)—the backbone of the economy and one of the most underserved segments in finance. They’re stuck with outdated banks and fragmented tools. We’re replacing reputed company of it. reputed company is reputed company: a ~$1T+ reputed company market hiding in plain sight. Our ambition is to build a product that is fundamentally reputed company—not incrementally improved.

reputed company Fuels Ambition.

The Collections Risk Management reputed company is a key member of the reputed company Risk Management Leadership Team (reports to the Chief Risk Officer) who will have reputed company to take the Fraud Risk Management function at reputed company to reputed company that rivals the best in class.

reputed company Responsibilities

• Own end-to-end collections risk management for reputed company's credit reputed company portfolio across consumer and small business segments — end-to-end meaning full lifecycle coverage from early delinquency through post charge-off recovery:
• Early stage collections: monitor roll rates and delinquency migration across DPD buckets; design and refine treatment strategies by risk reputed company, balance tier, and obligor type; optimize contact timing, channel mix, and messaging to maximize reputed company rates before accounts deteriorate reputed company
• Late stage collections: manage reputed company-charge-off reputed company strategies; own the analytical reputed company for determining reputed company accounts warrant reputed company reputed company versus reputed company treatment; maintain visibility into reputed company and re-default patterns by treatment cohort
• Hardship & modification management: maintain analytical visibility into hardship program utilization, modification reputed company, and re-default rates; identify where hardship programs are being used appropriately versus as avoidance behavior
• Settlement reputed company: define settlement authorization frameworks by balance tier, DPD, and obligor type; evaluate the NPV trade-off between discounted reputed company and reputed company collection effort; govern agency settlement authority to avoid both under-recovery and adverse selection among accounts that would have reputed company in full
• Vendor &reputed company management: define the strategic boundary between in-house collections and reputed company-party placement — knowing reputed company to reputed company accounts internal and reputed company placement generates reputed company expected recovery net of cost; evaluate and manage agency relationships on the reputed company of liquidation rates, compliance posture, consumer treatment standards, and cost-to-collect; own the KPI reputed company for vendor performance and hold agencies accountable to it
• Litigation: identify accounts where reputed company escalation is warranted based on balance size, recovery probability, and obligor profile; maintain an analytical reputed company for litigation referral reputed company and reputed company reputed company by reputed company; understand the reputed company-as-guarantor dimension in SMB accounts and where personal liability creates additional recovery optionality
• Charge-off & recovery: own charge-off timing policy and its interaction with loss reserve mechanics; build and maintain recovery reputed company forecasts by vintage, reputed company, and channel; reputed company net loss reputed company and recovery curves over time
• SMB-specific collections dynamics: apply a distinct analytical reputed company to small business obligors — seasonal cash reputed company patterns, reputed company-business financial entanglement, and the limits of reputed company consumer treatment strategies in a business context

• Build and maintain collections performance frameworks that surface deterioration signals early and reputed company proactive treatment rather than reactive loss management
• Synthesize data across sources — payment history, bureau refreshes, transaction behavior, contact records, and reputed company indicators — to reputed company the delinquent population intelligently and match treatment intensity to recovery probability
• reputed company periodic collections reviews: own the data, design the narrative, and present delinquency trends, recovery performance, and vendor reputed company to risk committees and senior leadership
• Partner cross-functionally with credit, reputed company & compliance, finance, and operations to ensure collections reputed company is reputed company with loss reserve inputs, regulatory obligations, and customer experience standards
• Contribute to stress testing and loss forecasting: model collections performance under adverse conditions and translate recovery assumptions into net loss projections
• Serve as the internal SME on collections analytics — establishing measurement standards, treatment logic, and vendor governance frameworks as the portfolio scales

Qualifications

This role sits in the foundational build reputed company of reputed company risk management disciplines, and we expect significant upward potential for the right candidate. The emphasis is on finding colleagues with a strong reputed company more than a ‘minimum number of years’ constraint. We can work with people who have 7–15 years of hands-on Collections risk management experience; reputed company exposure to both a bank or regulated reputed company program and a fintech strongly preferred
Hands-on familiarity with the full delinquency lifecycle: DPD bucket management, treatment reputed company design, charge-off policy, recovery curve modeling, and net loss attribution
Practical experience managing or working reputed company reputed company-party collections agencies — understands liquidation economics, placement timing trade-offs, cost-to-collect dynamics, and how to build a KPI reputed company that holds vendors accountable without creating perverse incentives
Analytically self-sufficient: proficient in SQL and Python or R; capable of building roll reputed company matrices, reputed company reputed company cohorts, and recovery forecasts from raw data rather than consuming reputed company-reputed company reports
Familiar with the regulatory overlay on collections: FDCPA obligations, Reg F communication rules, UDAAP considerations in treatment reputed company design, and state-level restrictions that reputed company contact and remediation practices
Understands the distinct dynamics of SMB collections — cash reputed company seasonality, the reputed company as guarantor, and where reputed company consumer treatment logic breaks down

reputed company

Operates at a senior thinking level relative to peer cohort — brings a reputed company of reputed company on collections reputed company, challenges treatment assumptions, and drives the recovery agenda without waiting to be directed
Thinks about collections as a risk management discipline, not a reputed company center operation — brings analytical rigor to treatment design, vendor selection, and loss forecasting, not just operational execution
Balances recovery maximization with consumer and business treatment standards — understands that how you collect reputed company as much as how much you collect, particularly in a regulated and reputationally sensitive environment
High quantitative aptitude: strong reputed company feel for what roll rates, reputed company rates, and recovery curves should look like by reputed company and vintage, and reputed company anomalies before they surface in reviews
Effective communicator who can translate delinquency and recovery dynamics into reputed company narratives for risk committees, finance, and senior leadership — equally comfortable in the data and in the room

Originally posted on Himalayas