Lead - Risk Servicing & Collections
4 weeks ago
About Drip Capital:
Drip Capital is a leading fintech company that provides innovative, unsecured working capital solutions to small and medium-sized enterprises (SMEs) across global markets. We use data-driven insights and cutting-edge technology, and have already financed over $7 billion to empower businesses with the financial support they need to grow. As we scale, we're looking for an experienced Lead of Risk Servicing & Collections - US to lead efforts in managing stressed accounts and optimizing recovery strategies in the U.S. SME market.
Role Overview:
As the Lead of Risk Servicing & Collections - US, you will lead and manage the entire collections strategy and operations for our U.S. SME loan portfolio. This hands-on role requires a proactive leader with a track record of driving results in collections and risk management, negotiating complex payment plans, and managing distressed accounts effectively for US SMBs. You will work closely with cross-functional teams and report to senior leadership, ensuring collections processes are efficient, compliant, and customer-focused.
Key Strategy & Leadership
- Develop and execute strategies to minimize delinquencies, defaults, and charge-offs while maintaining strong client relationships.
- Lead, mentor, and grow a high-performing collections team, ensuring a culture of excellence, accountability, and continuous improvement.
- Refine and implement collections policies and procedures, focusing on risk servicing and loss mitigation.
Risk Management & Client Engagement
- Oversee risk servicing, identifying, assessing, and mitigating credit risk while ensuring sustainable recovery for the portfolio.
- Lead negotiations with distressed borrowers, balancing risk mitigation with customer satisfaction, and develop payment plans, forbearance, and loan modifications.
- Maintain strong relationships with external partners such as third-party collection agencies, attorneys, and other key stakeholders.
Data-Driven Insights & Performance Management
- Utilize data analytics to monitor portfolio performance, identify risk trends, and optimize collection efforts.
- Prepare and present regular reports on collections performance, highlighting key risks, trends, and actionable insights to senior leadership.
- Track and optimize KPIs like recovery rates, delinquency trends, and payment adherence to ensure efficient and effective collections processes.
Team Development & Cross-Department Collaboration
- Recruit, train, and develop a high-performing collections team, ensuring ongoing professional development and a focus on operational excellence.
- Collaborate with senior leadership, legal, credit, growth, and operations teams to design strategies that reduce risk and enhance the collections lifecycle.
- Work with finance and accounting teams to ensure accurate reporting and management of collection-related financial records and loan loss Bachelor's degree in Finance, Economics, Engineering, or a related field.
- MBA or relevant certifications are a plus.
Why Join Us?
- Be part of a rapidly growing fintech company revolutionizing trade finance and empowering global SMEs.
- Lead a high-impact team with the opportunity to shape the future of collections and risk servicing.
- Competitive compensation, benefits, and a collaborative work environment.
- Drive innovation in the collections function, contributing directly to the company's growth and success.
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Lead - Risk Servicing & Collections - US
4 weeks ago
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