Sr. Manager, Collections and Recoveries Strategy
opploans • Remote
No Relocation
Posted: April 17, 2026
Job Description
About the Role
The Senior Manager of Collections & Recoveries Strategy is a high-impact, enterprise role responsible for owning the end-to-end strategy and financial performance of collections and recoveries. This leader will define and execute strategies that optimize net recovery outcomes, customer experience, and regulatory compliance across the full lifecycle—from early-stage delinquency through charged-off recoveries.
Success requires the ability to:
- Diagnose complex portfolio performance challenges
- Translate data and insights into strategic decisions
- Drive execution through cross-functional partners and external vendors
- Own outcomes in ambiguous, high-stakes environments
What You’ll Own
End-to-End Collections & Recoveries Strategy
- Define and evolve the collections and recoveries strategy roadmap across delinquency and charged-off portfolios
- Identify and prioritize high-impact performance levers (segmentation, channel strategy, vendor allocation, policy design)
- Translate analytics and portfolio insights into actionable strategies with measurable outcomes
- Portfolio Performance & Financial Ownership
- Own and optimize net recovery performance, balancing return, cost, and customer experience
- Evaluate performance through segmentation, lifecycle analysis, and economic tradeoffs
- Identify and drive opportunities to improve basis point performance and portfolio yield
- Vendor & Channel Strategy
- Design and manage external agency strategy, including allocation, performance tiers, and commercial tradeoffs
- Optimize channel mix (internal, external, digital) to maximize returns
- Partner with vendors to drive performance while maintaining compliance and customer standards
- Strategic Execution & Cross-Functional Leadership
- Lead complex initiatives across Operations, Risk, Legal, Product, Technology, and Analytics
- Own execution of high-priority initiatives (e.g., AI collections strategy, segmentation redesign, systems enhancements)
- Drive alignment, remove blockers, and ensure delivery of quantifiable business outcomes
- Governance, Risk & Compliance
- Ensure all strategies align with regulatory requirements (FCRA, UDAAP, etc.)
- Balance performance optimization with customer and regulatory risk considerations
- Partner with Compliance and Legal to implement responsible, scalable solutions
What We’re Looking For
Core Experience
- 5+ years in collections or recoveries strategy within financial services or fintech
- Proven experience owning strategy (not just supporting analytics or managing operations)
- Experience driving portfolio-level decisions impacting financial outcomes
- Experience managing and developing at least one direct report, with a focus on coaching, prioritization, and strategic execution
Strategy & Problem Solving
- Ability to break down ambiguous problems into clear drivers, tradeoffs, and strategic actions
- Strong understanding of collections/recoveries economics (net vs gross recovery, cost-to-collect, vendor fees)
- Experience prioritizing initiatives based on impact, risk, and feasibility
Execution
- Demonstrated ability to drive outcomes through influence
- Experience leading cross-functional initiatives in matrixed environments
- Strong stakeholder management across business, risk, and technical teams
Analytical Fluency
- Comfortable interpreting data and partnering with analytics to inform decisions
- Ability to translate insights into practical, executable strategies
- Focus on decision-making and outcomes, not model development
What This Role Is Not
- Direct management of collectors or call center teams
- Day-to-day operations execution or workforce management
Additional Content
About the Role
The Senior Manager of Collections & Recoveries Strategy is a high-impact, enterprise role responsible for owning the end-to-end strategy and financial performance of collections and recoveries. This leader will define and execute strategies that optimize net recovery outcomes, customer experience, and regulatory compliance across the full lifecycle—from early-stage delinquency through charged-off recoveries.
Success requires the ability to:
- Diagnose complex portfolio performance challenges
- Translate data and insights into strategic decisions
- Drive execution through cross-functional partners and external vendors
- Own outcomes in ambiguous, high-stakes environments
What You’ll Own
End-to-End Collections & Recoveries Strategy
- Define and evolve the collections and recoveries strategy roadmap across delinquency and charged-off portfolios
- Identify and prioritize high-impact performance levers (segmentation, channel strategy, vendor allocation, policy design)
- Translate analytics and portfolio insights into actionable strategies with measurable outcomes
- Portfolio Performance & Financial Ownership
- Own and optimize net recovery performance, balancing return, cost, and customer experience
- Evaluate performance through segmentation, lifecycle analysis, and economic tradeoffs
- Identify and drive opportunities to improve basis point performance and portfolio yield
- Vendor & Channel Strategy
- Design and manage external agency strategy, including allocation, performance tiers, and commercial tradeoffs
- Optimize channel mix (internal, external, digital) to maximize returns
- Partner with vendors to drive performance while maintaining compliance and customer standards
- Strategic Execution & Cross-Functional Leadership
- Lead complex initiatives across Operations, Risk, Legal, Product, Technology, and Analytics
- Own execution of high-priority initiatives (e.g., AI collections strategy, segmentation redesign, systems enhancements)
- Drive alignment, remove blockers, and ensure delivery of quantifiable business outcomes
- Governance, Risk & Compliance
- Ensure all strategies align with regulatory requirements (FCRA, UDAAP, etc.)
- Balance performance optimization with customer and regulatory risk considerations
- Partner with Compliance and Legal to implement responsible, scalable solutions
What We’re Looking For
Core Experience
- 5+ years in collections or recoveries strategy within financial services or fintech
- Proven experience owning strategy (not just supporting analytics or managing operations)
- Experience driving portfolio-level decisions impacting financial outcomes
- Experience managing and developing at least one direct report, with a focus on coaching, prioritization, and strategic execution
Strategy & Problem Solving
- Ability to break down ambiguous problems into clear drivers, tradeoffs, and strategic actions
- Strong understanding of collections/recoveries economics (net vs gross recovery, cost-to-collect, vendor fees)
- Experience prioritizing initiatives based on impact, risk, and feasibility
Execution
- Demonstrated ability to drive outcomes through influence
- Experience leading cross-functional initiatives in matrixed environments
- Strong stakeholder management across business, risk, and technical teams
Analytical Fluency
- Comfortable interpreting data and partnering with analytics to inform decisions
- Ability to translate insights into practical, executable strategies
- Focus on decision-making and outcomes, not model development
What This Role Is Not
- Direct management of collectors or call center teams
- Day-to-day operations execution or workforce management