Director, Collections & Payments

Please note: At this time, we are unable to sponsor employment visas. Candidates must be authorized to work in the United States without the need for current or future sponsorship. We are also only considering applicants who are currently residing in the United States.Founded in 2015 and based in Chicago, IL, privately held Braviant Holdings, Inc is a leading provider of tech-enabled credit products which combine breakthrough technology and cutting-edge machine learning to transform how people access credit online. The Company’s next-generation approach to lending reduces credit barriers and creates a Path to Prime® helping millions of underbanked consumers build credit history, reduce their cost of borrowing, and take control of their personal finances. Braviant has been named multiple times to the Inc. 5000 list of fastest growing private companies and has been recognized as a Best Place to Work.Position Summary:We are seeking a strategic and data-driven Director of Collections & Payments to lead Braviant’scollections and payments functions in a fast-paced Fintech environment. The Director will beresponsible for developing and implementing innovative multi-channel strategies to maximizerecovery, enhance the customer experience, and ensure regulatory compliance. This role will overseethe end-to-end collections lifecycle—from early delinquency through charge-off and recovery—whileleveraging technology, the collection contact center, external partner capabilities/tool-sets, andanalytics to optimize performance. This role will also strategize and oversee the Company’s paymentsoperations including transaction processing and partner relationships.Essential Duties and Responsibilities:Design and implement scalable, tech-driven collections strategies across early, mid, and late-stage delinquencyOversee and refine all collections processes including payment reminders, delinquencymanagement, hardship programs, recovery, and debt saleCollaborate with Product Management, Technology, Business Intelligence, Analytics, Marketingand Customer Service teams to design solutions that will continuously improve collections andpayments-related processes, procedures and resultsDrive continuous process improvements through automation, workflow redesign, and A/BtestingEnsure compliance with Fintech-relevant regulations such as e.g., CFPB, FDCPA, FCRA, UDAAP,TCPA and state-specific digital lending lawsManage relationships with external collection agencies, legal recovery partners, third-partyvendors, payment processors; evaluate and optimize their performanceManage and coach collections agents by leveraging performance analytics, behavioral insights,and real-time dashboards to drive accountability, improve recovery rates, and enhance customer experienceDevelop metrics/KPI’s, monitoring tools and reporting dashboards to track performance, enhance visibility, identify trends, and inform executive decisionsStay up to date on Fintech industry trends and emerging technologies that can improve collections efficiency and payments cost effectivenessExercise sound judgment and decision-making in escalated issue handling/resolution, policyand/or contract interpretation; ability to assess risk and develop mitigation plansOwn operational readiness in a fast-paced environment—multi-tasking effectively and stayinghighly organizedEducation & Experience:Bachelor’s degree in Business, Finance, Economics, or related field (MBA or advanced degree aplus)5-7 years of experience in collections or credit risk management, with 3+ years in a leadershiprole—preferably within a Fintech, digital lender, or neobankExperience working with digital collections platforms, loan management and CRM systemsProven ability to lead both strategy and execution in a high-growth, tech-driven environmentDeep understanding of consumer credit products (e.g., installment loans, BNPL, credit cards),familiarity with the end-to-end borrower lifecycle and Fintech regulatory landscapeDeep understanding of emerging payment industry technologies and trendsHands-on experience managing dialer systems (e.g., Five9) and Right Party Contact (RPC)campaigns to improve contact and conversion rates; ability to set-up campaigns to support /enable collections strategiesExperience working with modern data tools (e.g., SQL, Looker). Proficiency in excelStrong interpersonal, excellent verbal and written communication and negotiation skills acrossinternal teams and with external stakeholders; reputation for collaborationBenefits and PerksMedical benefits paid by employer/employee split of 80/20. Provided by UnitedHealthcareDental and Vision covered at zero cost to you for employee only coverageFloating Holidays401K Match vested each weekEquity for allRemote work environmentGenerous PTOInternet stipendTeam and company events/get togethersOriginally posted on Himalayas

Apply Now