Lendable

Head of Collections and Recovery Strategy (US)

Virginia

Sponsorship not specifiedDetected 37 days ago

Machine LearningLeadership

About the role

Our collections and recoveries operation exists but it was built for a smaller, simpler business.
You'll work directly with the US Loans MD and sit at the intersection of operations, risk, product and tech.
This is not a management role for someone who wants to run a steady-state operation.

Design and own the collections strategy across the full delinquency lifecycle: early arrears, late-stage collections, charge-off, and recovery
Build and own the analytics function for collections. Pulling your own data, building models, defining KRs, and growing a team around you as the book scales
Own the contact strategy: when we reach out, how, and what we say and use data to continuously test and improve it
Build and manage relationships with third-party collections agencies and legal partners. Setting performance expectations, tracking outcomes, and replacing underperformers
Work with product and tech to build the tooling and automation that makes the operation scalable, not headcount-dependent
Partner with legal and compliance on the regulatory framework for collections operations across relevant US states.
Define and own the KRs for collections performance: cure rates, recovery rates, cost-to-collect, charge-off rates and hold the operation accountable to them
For more information, please speak to your Talent Partner.

You have real hands-on experience in US consumer collections at a fast-moving fintech
you know what good looks like because you've built it, not just run it.

4-8 years in US consumer collections or recoveries, ideally at a fast-moving fintech, you've owned a delinquency book and you know what good looks like
Familiarity with the US regulatory landscape for consumer collections (FDCPA, state-level rules)
Experience managing and evaluating third-party collections vendors
A track record of redesigning processes from the ground up, not just running what's already in place
Comfortable with ambiguity
Strong communicator who can influence across product, risk, legal and senior leadership without needing a big team behind them
Intro call with the hiring team
Case study interview

Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations

Flexible working: flexible approach tailored to each role.
Retirement & savings: long-term financial wellbeing through retirement savings plans
Employee referral programme: earn a competitive bonus when you refer successful new team members
Please note: The availability and details of specific benefits vary by location and role.

loans, credit cards and car finance.
We get money into our customers' hands in minutes instead of days.
Who we're looking for
You're deeply analytical, comfortable pulling your own data and building your own models, and you see analytics as a core part of how collections strategy gets made.

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