Collections Manager
The Collections Manager plays a critical role in overseeing day-to-day operations of the collections department, ensuring delinquent accounts are resolved in a timely, compliant, and customer-centric manner. The ideal candidate brings experience managing high-performing teams, improving recovery strategies, and ensuring adherence to FDCPA, UDAAP, and other regulatory requirements.
What You'll Do :
- Lead and manage the collections team, including collectors and support staff, to meet recovery targets and service level goals.
- Develop and execute collections strategies that maximize recovery while maintaining positive customer relationships.
- Monitor and analyze key metrics (e.g., delinquency rates, cure rates, right party contacts) and implement action plans to improve performance.
- Partner with Compliance, Risk, and Legal teams to ensure adherence to all applicable laws and regulations, including FDCPA, FCRA, and TCPA.
- Utilize and optimize dialer strategies (e.g., Five9) and implement segmentation strategies to improve penetration and contact rates.
- Oversee skip tracing efforts, settlement negotiation processes, and hardship / forbearance program workflows.
- Train, coach, and develop team members to ensure performance excellence and professional growth.
- Support audits, provide reporting to leadership, and contribute to system / process enhancements.
- Collaborate with cross-functional teams including Customer Support, Loan Servicing, and Technology to ensure a seamless borrower experience.
Who You Are :
Bachelor's degree in Business, Finance, or a related field; equivalent experience may be considered.5+ years of experience in consumer collections, with 2+ years in a leadership role.Strong knowledge of collections regulations and best practices in the financial services or fintech industry.Experience with collections systems, CRMs, and dialer platforms (e.g., Five9, NICE inContact).Excellent communication, coaching, and performance management skills.Analytical mindset with the ability to interpret data and drive results.Proven ability to build rapport with both internal teams and customers.Experience working in a startup or high-growth fintech environment.Bilingual (English / Spanish) is a plus.Familiarity with installment lending, auto service financing, or point-of-sale lending.Why You'll Love Working at DigniFi :
High-growth opportunity with terrific upside potentialFounded to provide aid to people when they unexpectedly need help...responsible, respectful, and transparent access to a better financial future for our customersExcellence-driven organization that values work / life balanceWe're a tight-knit team that values collaboration and genuinely loves working togetherWhat's In It For You :
Flexible PTO11 Paid HolidaysUp to 80% Employer-Paid Premiums for Medical, Dental and Vision InsuranceLong-term Disability InsuranceBasic Life InsurancePaid Parental LeaveMatching 401kWhere You Will Work : This position located in our office in Grapevine, TX. Salary : The base salary range for this position is $75,000 - $82,000 a year.
Statement of Non-Discrimination : In keeping with our beliefs and goals, no employee or applicant will face discrimination or harassment based on race, color, ancestry, national origin, religion, age, gender, marital / domestic partner status, sexual orientation, gender identity or expression, disability status, or veteran status. Above and beyond discrimination and harassment based on "protected categories," we also strive to prevent other subtler forms of inappropriate behavior (i.e., stereotyping) from ever gaining a foothold in our company. Whether blatant or hidden, barriers to success have no place at DigniFi.
DigniFi is not considering candidates who require visa sponsorship or visa transfer at this time.