VP, Consumer Collections
About The Position
The VP, Consumer Collections is a leadership role responsible for directing all aspects of consumer collections strategy, operations, and team performance across the Bank's non-real estate consumer lending portfolio. This executive oversees the recovery of delinquent and defaulted obligations in automobile loans, unsecured consumer loans, marine vessel loans, and the bank's emerging consumer credit card program. This role is accountable for building and sustaining a high-performance collections organization, ensuring full regulatory compliance, and driving continuous improvement through data-informed decision-making and automated solutions where applicable. The VP, Consumer Collections partners closely with Consumer Portfolio Management, Loan Servicing, Legal, and Technology to align collections practices with enterprise goals and evolving portfolio dynamics.
Requirements
- Bachelor’s degree in Business, Finance, or a related field (MBA or advanced degree preferred)
- 8+ years of experience in consumer collections, credit risk, or loan servicing, with at least 4 years in a leadership role
- Deep knowledge of non‑real estate consumer lending products and collections regulations
- Proven ability to build, lead, and scale high‑performing collections teams
- Strong analytical mindset with experience leveraging data and technology to drive results
- Excellent leadership, communication, and cross‑functional collaboration skills
- Ability to operate effectively in a fast‑paced, performance‑driven environment
Responsibilities
- Leading enterprise‑wide consumer collections strategy and execution across all stages of delinquency and recovery
- Overseeing collections operations for auto, unsecured consumer, marine vessel, and credit card portfolios
- Building, developing, and sustaining a high‑performance collections organization
- Establishing clear performance expectations, KPIs, and accountability frameworks for internal teams and vendors
- Driving continuous improvement through data‑informed decision‑making, analytics, and segmentation
- Implementing automation and scalable solutions to improve efficiency, outcomes, and customer experience
- Ensuring full compliance with all applicable consumer regulations, including FDCPA, UDAAP, FCRA, CFPB guidance, and state requirements
- Partnering closely with Consumer Portfolio Management, Loan Servicing, Legal, Risk, Compliance, and Technology
- Aligning collections practices with enterprise objectives and evolving portfolio dynamics
- Monitoring portfolio performance, delinquency trends, roll rates, recoveries, and loss metrics
- Supporting audits, regulatory exams, and issue remediation related to collections activities
Benefits
- Medical, Dental, Vision, and Life Insurance
- Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)
- HSA or FSA account and other voluntary benefits
- 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
- Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading
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What This Job Offers
Job Type
Full-time
Career Level
Executive
Number of Employees
501-1,000 employees
