The Director of Collections & Payments will oversee collections and payments functions, develop strategies, enhance customer experience, ensure compliance, and manage stakeholder relationships while driving continuous improvement in a fast-paced environment.
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’s collections and payments functions in a fast-paced Fintech environment. The Director will be responsible for developing and implementing innovative multi-channel strategies to maximize recovery, enhance the customer experience, and ensure regulatory compliance. This role will oversee
the end-to-end collections lifecycle—from early delinquency through charge-off and recovery—while leveraging technology, the collection contact center, external partner capabilities/tool-sets, and analytics to optimize performance. This role will also strategize and oversee the Company’s payments operations including transaction processing and partner relationships.
Essential Duties and 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
Education & Experience:
- 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
Benefits and Perks
- 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
- PTO, Sick and Floating Holidays
- 13 Company Holidays
- 401K Match vested each week
- Profits Interest Units for all
- Remote work environment
- Internet stipend
- Team and company events/get togethers
Braviant is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. We do not discriminate on the basis of race, religion, color, national origin, gender (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender identity or expression, age, marital status, veteran status, disability status, or any other characteristic protected by applicable law.
Top Skills
Crm Systems
Dialer Systems
Fintech
Five9
Looker
SQL
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