Product Manager, Collections

MERCURY FINANCIAL LLC•Atlanta, GA

2d•Hybrid

About The Position

When you join Atlanticus, you become a member of a fast-growing, mission-focused company that is committed to aid in meeting the financial needs of middle-class Americans. With a culture of collaboration and a one-team mindset, we encourage entrepreneurial thinking to empower our customers toward financial well-being. Atlanticus™ technology enables bank, retail, and healthcare partners to offer more inclusive financial services to everyday Americans through the use of proprietary analytics. We apply the experience gained and infrastructure built from servicing over 20 million customers and over $40 billion in consumer loans over more than 25 years of operating history to support lenders that originate a range of consumer loan products. These products include retail and healthcare, private label credit and general-purpose credit cards marketed through our omnichannel platform, including retail point-of-sale, healthcare point-of-care, direct mail solicitation, digital marketing, and partnerships with third parties. Additionally, through our Auto Finance subsidiary, Atlanticus serves the individual needs of automotive dealers and automotive non-prime financial organizations with multiple financing and service programs.

Requirements

Bachelor’s degree or equivalent professional experience.
4+ years of product management, product ownership, or business/product delivery experience.
2+ years of experience in credit card collections, consumer collections, loan servicing, recoveries, or another bank-related collections function.
Experience writing business requirements, user stories, process flows, and acceptance criteria for technical teams.
Experience working cross-functionally with operations, technology, compliance, risk, and business stakeholders.
Strong analytical, organizational, and communication skills.

Nice To Haves

Experience in credit card servicing or collections within a regulated financial services or banking environment.
Experience supporting digital collections capabilities, including customer self-service, agent desktop tools, payment flows, hardship programs, or communication strategy.
Familiarity with delinquency lifecycle management, roll rates, cure strategies, contact strategies, and operational collections KPIs.
Experience with compliance-sensitive customer communications such as SMS, email, letters, and disclosures.
Experience using data to evaluate product performance and drive continuous improvement.

Responsibilities

Lead product development and execution for collections-related capabilities, including delinquency management, payment assistance, customer communications, self-service tools, agent workflows, and related servicing experiences.
Gather and translate business needs into clear product requirements, user stories, process flows, and prioritized backlogs for technology and cross-functional teams.
Partner with Collections Operations, Risk, Compliance, Legal, and Technology to ensure solutions are aligned to regulatory expectations, control requirements, and business objectives.
Support end-to-end delivery from discovery through launch, including business case development, stakeholder alignment, testing, implementation, and post-launch performance monitoring.