Director, Collections and Payments

Summary

Join Braviant Holdings, Inc., a leading provider of tech-enabled credit products, as their Director of Collections & Payments. Lead and develop innovative multi-channel strategies to maximize recovery and enhance customer experience while ensuring regulatory compliance. Oversee the entire collections lifecycle, leveraging technology and analytics to optimize performance. Strategize and manage the company's payments operations, including transaction processing and partner relationships. Manage and coach collections agents, utilizing performance analytics and real-time dashboards. Develop metrics and reporting dashboards to track performance and inform executive decisions. Stay current on Fintech industry trends and emerging technologies. This role requires strong leadership, strategic thinking, and a deep understanding of the Fintech regulatory landscape.

Requirements

• Bachelor’s degree in Business, Finance, Economics, or related field (MBA or advanced degree a plus)
• 5-7 years of experience in collections or credit risk management, with 3+ years in a leadership role—preferably within a Fintech, digital lender, or neobank
• Experience working with digital collections platforms, loan management and CRM systems
• Proven ability to lead both strategy and execution in a high-growth, tech-driven environment
• Deep understanding of consumer credit products (e.g., installment loans, BNPL, credit cards), familiarity with the end-to-end borrower lifecycle and Fintech regulatory landscape
• Deep understanding of emerging payment industry technologies and trends
• Hands-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 strategies
• Experience working with modern data tools (e.g., SQL, Looker). Proficiency in excel
• Strong interpersonal, excellent verbal and written communication and negotiation skills across internal teams and with external stakeholders; reputation for collaboration

Responsibilities

• Design and implement scalable, tech-driven collections strategies across early, mid, and late-stage delinquency
• Oversee and refine all collections processes including payment reminders, delinquency management, hardship programs, recovery, and debt sale
• Collaborate with Product Management, Technology, Business Intelligence, Analytics, Marketing and Customer Service teams to design solutions that will continuously improve collections and payments-related processes, procedures and results
• Drive continuous process improvements through automation, workflow redesign, and A/B testing
• Ensure compliance with Fintech-relevant regulations such as e.g., CFPB, FDCPA, FCRA, UDAAP, TCPA and state-specific digital lending laws
• Manage relationships with external collection agencies, legal recovery partners, third-party vendors, payment processors; evaluate and optimize their performance
• Manage and coach collections agents by leveraging performance analytics, behavioral insights, and real-time dashboards to drive accountability, improve recovery rates, and enhance customer experience
• Develop metrics/KPI’s, monitoring tools and reporting dashboards to track performance, enhance visibility, identify trends, and inform executive decisions
• Stay up to date on Fintech industry trends and emerging technologies that can improve collections efficiency and payments cost effectiveness
• Exercise sound judgment and decision-making in escalated issue handling/resolution, policy and/or contract interpretation; ability to assess risk and develop mitigation plans
• Own operational readiness in a fast-paced environment—multi-tasking effectively and staying highly organized

Benefits

• Medical benefits paid by employer/employee split of 80/20. Provided by UnitedHealthcare
• Dental and Vision covered at zero cost to you for employee only coverage
• Floating Holidays
• 401K Match vested each week
• Equity for all
• Remote work environment
• Generous PTO
• Internet stipend
• Team and company events/get togethers