Director, Collections and Payments

Job description

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
• Floating Holidays
• 401K Match vested each week
• Equity for all
• Remote work environment
• Generous PTO
• Internet stipend
• Team and company events/get togethers

$130,000 - $165,000 a year