Elevate-posted 3 months ago
Full-time • Senior
Addison, TX
251-500 employees
Credit Intermediation and Related Activities

The Collections Strategy Manager is responsible for the development, execution, and optimization of comprehensive collections strategies within our organization. This key role includes managing the delinquency portfolio, analyzing risk across various account segments, and implementing targeted strategies to improve overall collections results. The Collections Strategy Manager will segment customer accounts, define tailored treatment paths, optimize collections channels, and maintain strict regulatory compliance. By leveraging data analytics and predictive modeling, the role will also focus on understanding delinquency patterns and behavioral triggers to maximize collections performance and enhance the customer experience.

  • Develop and implement innovative collections strategies that support business objectives, balancing risk mitigation, recovery rates, and customer centricity.
  • Segment delinquent accounts based on risk, customer profiles, and behavioral data, tailoring approaches for each segment to ensure optimal recovery.
  • Define and maintain treatment paths for different account segments, mapping out contact schedules, messaging, and escalation protocols.
  • Oversee the performance of collections channels including phone, email, text, digital self-service, and third-party agencies, and implement enhancements to improve efficiency and effectiveness.
  • Ensure all collections activities, communications, and processes are fully compliant with applicable laws, regulations, and internal policies.
  • Use advanced analytics, reporting tools, and predictive models to inform strategy, monitor performance, and identify opportunities for improvement.
  • Analyze portfolio trends, delinquency patterns, and behavioral triggers to anticipate risk and design proactive interventions.
  • Work cross-functionally with Operations, Risk, Product, Legal, and Technology teams to embed collections strategies within the customer journey and align efforts with broader organizational goals.
  • Maintain a test-and-learn approach, regularly evaluating strategies and tactics for effectiveness and refining as needed.
  • 7+ years of experience in credit risk, collections, strategy, analytics, or similar roles within the financial services industry.
  • Strong understanding of regulatory and compliance requirements related to collections.
  • Proficiency in data analysis, predictive modeling, and analytics tools (e.g., SQL, SAS, Python, R).
  • Experience designing and optimizing multi-channel collections strategies.
  • Excellent analytical, problem-solving, and communication skills.
  • Ability to work collaboratively across teams and influence stakeholders at all levels.
  • Proven track record of driving measurable improvements in collections outcomes.
  • Proficient in Microsoft Office Products (Outlook, Excel, Word)
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