Flex

Collections Risk Management Lead

Remote / USA

Sponsorship not specified$150k-$250kDetected 73 days ago

PythonSQLForecastingLoad TestingLeadershipCommunication

About the role

Own end-to-end collections risk management for Flex's credit card portfolio across consumer and small business segments - end-to-end meaning full lifecycle coverage from early delinquency through post charge-off recovery:

monitor roll rates and delinquency migration across DPD buckets; design and refine treatment strategies by risk segment, balance tier, and obligor type; optimize contact timing, channel mix, and messaging to maximize cure rates before accounts deteriorate further
maintain analytical visibility into hardship program utilization, modification outcomes, and re-default rates; identify where hardship programs are being used appropriately versus as avoidance behavior
own charge-off timing policy and its interaction with loss reserve mechanics; build and maintain recovery rate forecasts by vintage, segment, and channel; track net loss emergence and recovery curves over time
Partner cross-functionally with credit, legal & compliance, finance, and operations to ensure collections strategy is aligned with loss reserve inputs, regulatory obligations, and customer experience standards
FDCPA obligations, Reg F communication rules, UDAAP considerations in treatment strategy design, and state-level restrictions that affect contact and remediation practices

This role sits in the foundational build path of core risk management disciplines, and we expect significant upward potential for the right candidate.
The emphasis is on finding colleagues with a strong foundation more than a 'minimum number of years' constraint.
We can work with people who have 7-15 years of hands-on Collections risk management experience; direct exposure to both a bank or regulated card program and a fintech strongly preferred

Serve as the internal SME on collections analytics - establishing measurement standards, treatment logic, and vendor governance frameworks as the portfolio scales
We can work with people who have 7-15 years of hands-on Collections risk management experience
direct exposure to both a bank or regulated card program and a fintech strongly preferred

Banking, credit, payments, personal finance, and financial operations-rebuilt from the ground up as a single, intelligent system.
Flex is the full financial home for ambitious owners.
They're stuck with outdated banks and fragmented tools.

This listing is sourced directly from Flex's careers page and normalized into a canonical job model.