Director of Collections Strategy

Imprint

82d

About The Position

Imprint is looking for a Director of Collections Strategy to join our Collections team. In this role, you’ll own the design, execution, and optimization of collections and recovery strategies across all our credit portfolios. You’ll play a key role in shaping how we manage delinquencies and loss mitigation, ensuring our strategies are both data-driven and customer-centric. You will partner closely with Risk, Product, and Data teams to perform deep analysis of delinquency trends, roll rates, and recovery outcomes. You’ll develop and refine collections contact and loss mitigation strategies, build and enhance performance monitoring tools, and lead testing and optimization initiatives that drive continuous improvement. You’ll also collaborate on the development of predictive models and advanced analytics that help Imprint stay ahead of emerging risks and rising delinquencies. This is a high-impact, highly visible role within the organization. You’ll leverage data, analytics, and cross-functional collaboration to optimize collections effectiveness, reduce losses, and ensure we deliver a seamless, empathetic experience for our customers.

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.

Nice To Haves

• Experience leading or scaling collections strategy functions within a fintech, neobank, or digital credit card issuer.
• Familiarity with credit decisioning infrastructure, core banking systems, and collections platform integrations (e.g., Katabat, FICO DMS, or similar).
• Exposure to regulatory interactions or examinations (e.g., OCC, CFPB, or state-level regulators).

Responsibilities

• 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.

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

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 101-250 employees