About the Role

We are looking for a dynamic and analytical Collections & Recovery expert to join our commercial team to help manage and develop collections and recovery strategies across Pagaya’s portfolio of lender partners. This role will work directly with our Partners to build out this function and influence a broad network of fintech leaders.

Responsibilities

• Develop Collections and Recovery Strategies to enhance Pagaya’s oversight and strategic roadmap across our network of partners in our core asset classes (personal and auto loans)
• Design, manage, and maintain collection and recovery tests and strategies that improve roll and charge-off rates, improve returns, and optimizes payment programs, engagement and outreach, Debt Settlement Company handling, and recovery channel performance
• Build, monitor, and maintain core collections and recovery KPIs by asset class and partner
• Develop business insights collaborating with internal teams and partners, maintain roadmaps and plans, and communicate proposals to senior leaders and executive audiences
• Work cross-functionally with internal and external stakeholders to produce better business outcomes in the collections and recovery space
• Strive for risk and loss reduction in everything you do 

Requirements

• 8-10 years of experience managing Collections and Recovery strategies
• Expertise in the US Collections and Recovery space, particularly with a focus on Personal Loan or Auto Loans 
• Intimate knowledge of the consumer credit space including best practices and applicable laws and regulations, such as FDCPA, UDAAP, TCPA, and RegF
• Experience in fintech is preferred
• Expertise in collections and recovery processes, strategies, and operations, ideally with a proven track record of building and managing: 
• Payment and hardship programs strategies and optimization
• Outbound and digital channel outreach strategies
• Payment optimization
• First Line of Defense risk monitoring
• Deep knowledge recovery channels, including debt sales, repossession, litigation, internal recovery, and TP vendor management  
• Trained or educated in analytics, BI, strategy development, or related