End-to-end finance platform for businesses.
Collections Risk Management Lead
Location
United States
Posted
67 days ago
Salary
$150K - $250K / year
Seniority
Senior
Job Description
Collections Risk Management Lead
Flex
• Analyze new applicant data to support automated and manual credit decisioning. • Work with data extracted from business financial statements, tax documents, and banking integrations (e.g., Quickbooks, Netsuite, Plaid, etc). • Leverage insights from adjacent product usage (e.g., business banking, payments platforms) to evaluate risk profiles. • Build dashboards or tools to surface real-time indicators for underwriting and fraud detection. • Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement. • Identify signs of weakening creditworthiness using internal data and third-party credit reports (e.g., Experian, D&B). • Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies. • Develop behavioral segments and performance cohorts for proactive account management. • Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates. • Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns. • Assist in identifying drivers of loss and opportunities for margin improvement.
Job Requirements
- 5–15 years of hands-on Collections risk management experience; direct exposure to both a bank or regulated card program and a fintech strongly preferred
- Hands-on familiarity with the full delinquency lifecycle: DPD bucket management, treatment strategy design, charge-off policy, recovery curve modeling, and net loss attribution
- Practical experience managing or working alongside third-party collections agencies — understands liquidation economics, placement timing trade-offs, cost-to-collect dynamics, and how to build a KPI framework that holds vendors accountable without creating perverse incentives
- Analytically self-sufficient: proficient in SQL and Python or R; capable of building roll rate matrices, cure rate cohorts, and recovery forecasts from raw data rather than consuming pre-built reports
- Familiar with the regulatory overlay on collections: FDCPA obligations, Reg F communication rules, UDAAP considerations in treatment strategy design, and state-level restrictions that affect contact and remediation practices
- Understands the distinct dynamics of SMB collections — cash flow seasonality, the owner as guarantor, and where standard consumer treatment logic breaks down
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• Contact consumers via phone, email, and mail regarding past-due accounts • Negotiate payment plans in accordance with company policies • Document all communications and account updates accurately • Adhere to federal and state collection laws, including FDCPA • Meet performance goals and maintain high customer service standards
Role Description Altus is seeking a Remote Mid-Balance Collector as we continue to grow our team! - Minimum of 80 outbound/inbound calls - Negotiate payment in full or secure a payment arrangement - Create a sense of urgency on non-paying debtors - Work closely with Client Support Representative to resolve disputes - Meet/exceed monthly phone, activity & fee quotas Qualifications - Prior Collections experience is a MUST - Attention to detail and accuracy - Ability to multi-task - Aptitude for technology - Skilled in Negotiations - Articulate communication skills both verbally and in writing - Time management and interpersonal skills Benefits - $13 per hour PLUS commission and bonuses (average commission ranges $2k-$3k monthly) - Benefits package with health, dental, vision, life, and disability coverage options - 401(k) retirement plan option with company matching - Generous paid time off policy - start with 18 days per year - Paid holidays immediately upon hire - 7 standard holidays & 2 floating holidays of your choice Company Description Altus Commercial Receivables is America’s #1 B2B commercial collections firm, specializing in global accounts receivable management and debt recovery. With over 30 years of experience, Altus combines cutting-edge technology platform built on Salesforce—with a vast international network of certified professionals. Headquartered in New Orleans, Altus serves clients across 66 countries, helping businesses streamline their credit-to-cash cycle with unmatched security, compliance, and performance.
Representative 1, Credit & Collections – Commercial
NBCUniversalHere you can create the extraordinary. Join us.
• Handling commercial customers’ inquiries while using negotiation skills to collect delinquent balances • Facilitates interactions with customers in accordance with the Company’s service delivery strategy • Establishes rapport and promotes effective relationships, upholding Comcast’s commitment to customer experience • Reviewing past due commercial accounts to engage customers in negotiating payment arrangements • Complying with national credit and collection policies, alongside Federal, State, and Local regulations • Processing payments securely and establishing policy-compliant payment arrangements
• Execute against established collections and recovery strategies to improve key portfolio metrics, including roll rates, cure rates, liquidation rates, and recovery performance • Monitor ongoing performance and proactively identify trends, risks, and opportunities for improvement • Support forecasting and performance tracking for collections and recovery channels • Contribute to the development and refinement of strategies based on observed performance and data insights • Manage day-to-day performance of third-party subservicers and collection agencies responsible for delinquency management and charged-off recoveries • Hold vendors accountable to clearly defined KPIs, SLAs, and performance expectations • Identify performance gaps and drive timely corrective action plans with vendors • Lead recurring performance reviews and operational meetings with vendors (weekly/monthly/quarterly) • Escalate and help resolve complex operational or borrower issues in partnership with vendors • Analyze collections and recovery performance data to understand drivers of borrower delinquencies and recovery trends • Partner with internal analytics teams to translate data into actionable insights and operational improvements • Identify, design, and implement process improvements and new collections tactics to enhance collections outcomes, scalability, and borrower experience • Prepare and deliver regular performance reporting, clearly articulating trends, drivers, and actions being taken • Ensure processes and vendor activities align with internal policies and regulatory requirements by partnering closely with the Legal and Compliance teams • Perform other duties as assigned
