Head - Risk Servicing & Collections – U.S

About Drip Capital

We are a US-based fintech company revolutionizing global trade for SMEs. At Drip Capital, we're redefining the future of trade finance and facilitation, empowering small and medium-sized enterprises (SMEs) to scale internationally with ease.

With the global SME trade market exceeding $5 trillion, our mission is to provide businesses in emerging markets with seamless access to capital—eliminating red tape and outdated processes. By leveraging cutting-edge technology, we make trade finance fast, efficient, and hassle-free. Beyond financing, we simplify trade and sourcing, helping SMEs navigate global markets effortlessly.

Headquartered in Palo Alto, California, with offices in India, Drip Capital is strategically positioned to meet the evolving needs of SMEs in emerging markets.

Backed by top investors—including Accel, Peak XV, Wing VC, Sequoia India, Y Combinator, GMO, SMBC Japan, Barclays, and IFC—Drip has facilitated over $7 billion in trade across 10,000+ buyers and sellers. As we continue to grow, we remain committed to transforming global trade for SMEs worldwide.

Role Overview:

We are looking for a seasoned and strategic leader to join our team as the Head of Risk Servicing & Collections – U.S., responsible for leading the life-cycle of collections strategy, operations, and risk servicing for our U.S.-based SME lending portfolio. This role sits at the intersection of credit risk, operational excellence, customer experience, and regulatory compliance.

You will be accountable for designing and executing strategies that optimize recoveries, reduce delinquencies and charge-offs, and support the long-term health of our loan book. You'll lead a cross-functional team of internal and external stakeholders, work directly with distressed borrowers, and be instrumental in building scalable systems, processes, and policies for risk servicing.

This is a hands-on leadership role requiring deep domain expertise in commercial lending collections (especially SMB or SME segments), a data-driven mindset, and a strong understanding of the regulatory landscape in the U.S.

What You'll Be Doing:
1. Collections strategy & leadership
Develop and own the U.S. collections road-map aligned with broader credit and portfolio risk objectivesBuild and manage scalable, segmented strategies for early-stage delinquency, mid-stage recovery, and late-stage collectionsDesign and deploy frameworks for prioritizing accounts, segmenting by risk and potential recovery, and automating workflowsDrive continuous improvement across collections processes, technologies, and operating models2. Team leadership & organizational development
Lead a high-performing internal team of collections managers, analysts, and support staffManage external partners such as third-party collections agencies (TPCAs), legal counsel, and debt recovery servicesFoster a culture of performance, integrity, and customer-centric collectionsLead workforce planning, hiring, training, performance management, and succession planning3. Risk servicing & borrower engagement
Own the strategy for customer outreach, hardship handling, workout programs, and loss mitigation tacticsCreate and manage standardized borrower engagement frameworks including forbearance programs, loan modifications, and repayment plansDevelop playbooks for negotiating with distressed borrowers in a compliant and customer-first mannerEnsure empathetic, respectful handling of borrower communications throughout the collections journey4. Data, reporting & portfolio analytics
Build dashboards and tracking tools to monitor key risk indicators: roll rates, delinquency buckets, cure rates, recovery rates, etcAnalyze portfolio performance across cohorts, products, and risk bands; develop actionable insightsWork with BI/data science teams to test and implement predictive models for collections efficiency and borrower behaviorPresent portfolio performance and risk trends to executive leadership and board-level stakeholders5. Compliance,governance & risk controls
Ensure collections practices are fully compliant with federal, state, and local regulations (e.g., FDCPA, ECOA, TCPA, UDAAP)Maintain clear documentation of policies, controls, and escalation proceduresCoordinate with legal and compliance teams to proactively address regulatory risks and audit requirementsEstablish strong governance protocols to manage vendor oversight, complaints, and borrower disputes6. Systems, tools & automation
Drive the selection and implementation of collections technologiesCollaborate with product and engineering teams to build automation capabilities into borrower communications and workflowsIdentify opportunities for AI/ML tools to enhance prioritization, recovery probability scoring, and agent recommendationsEnsure system integration with credit, loan servicing, finance, and reporting platforms7. Cross-Functional & Executive Collaboration
Partner with internal teams across Credit Risk, Legal, Finance, Growth, Operations, and Product to ensure collections strategies align with broader business goalsCollaborate with finance on accurate loan loss forecasting, provisioning, and write-off accountingParticipate in credit policy and product strategy discussions, ensuring collections insights shape future decisions frameworksWhat Makes You a Great Fit:
Bachelor's degree in Finance, Economics, Business Administration, Engineering, or a related field years of experience in collections, credit risk, or special assets within commercial or SME lending, with at least 5 years in a leadership roleRequire to work in the US shifts Demonstrated success managing distressed portfolios and recovery strategies in the U.S. financial services landscapeIn-depth knowledge of U.S. collections laws and borrower protections, especially in SMB/SME contextProven experience managing internal teams and external partners in a high-growth or fast-paced environmentExperience working in a fintech or digital lender with exposure to tech-driven collections platformsFamiliarity with international collections practices or cross-border SME portfolios is a plusStrategic thinking and data-driven decision-makingStrong leadership, coaching, and performance management skillsDeep understanding of collections operations, systems, and analyticsExcellent negotiation, communication, and conflict-resolution abilitiesHigh integrity, sound judgment, and regulatory awarenessCollaborative mindset with executive presence and stakeholder influenceWhy Join Us?
Be part of a rapidly growing fintech company revolutionizing trade finance and empowering global SMEsLead a high-impact team with the opportunity to shape the future of collections and risk servicingCompetitive compensation, benefits, and a collaborative work environmentDrive innovation in the collections function, contributing directly to the company's growth and success

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