Head Of Collections, Director/VP
ClarityPay is seeking a Head of Collections to lead the transformation of our collections and recovery performance functions. This is a high-impact leadership role responsible for defining the strategic roadmap for collections, scaling our operational capabilities, and pioneering the industry's shift toward AI-assisted, digital-first recovery models.
You will not just manage a department; you will design a high-frequency, data-driven system underpinned by bank-grade governance. Reporting directly to the COO, you will sit at the intersection of Finance, Risk, Legal, and Engineering. You will lead a multi-disciplinary effort to maximize net recoveries, shape our regulatory policies, and build a first-class collections organization that treats data as its primary asset.
Key responsibilities include:
- Governance & Policy Ownership: Establish and own a heightened governance structure that delivers bank-grade compliance results.
- Strategic Legal Collaboration: Partner seamlessly with Legal and Compliance to translate rigid regulations into operational flexibility.
- Process & Planning Optimization: Re-architect our planning, operational, and management processes.
- AI & Agentic Migration: Lead the migration from traditional agent-led collections toward AI agent-assisted interfaces.
- Performance Accountability: Own the "Net Recovery Rate" KPI.
- Engineering Partnership: Act as the primary business owner for the Decision Science and ML Engineering teams.
What we're looking for:
- 10+ years in credit, collections, or risk management within a regulated FinTech or banking environment, with a proven track record of improving recovery performance at scale.
- Deep, practical expertise in consumer finance regulations.
- While you are a business leader, you are finance and data native.
- You have successfully led digital transformation efforts.
- You move naturally between high-level policy definition and tactical execution.
What sets us apart:
- At ClarityPay, we don't treat Collections as a back-office burden; we treat it as a decision management product.
- You will have the resources of a modern AWS/Databricks stack, a world-class team of ML engineers, and the executive mandate to build the most sophisticated, compliant, and efficient collections engine in the FinTech space.
What we offer:
- Competitive compensation and equity package.
- Comprehensive benefits (medical, dental, vision).
- Collaborative office culture with a strong product mindset.
- Opportunities to grow, lead, and shape the future of consumer finance.
- 401k program
Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality.
Salary range: $175K - $225K per year, based on experience and qualifications.
Please email mj@claritypay.com if you are interested along with a resume.
ClarityPay is an equal opportunity employer. We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran, marital status, or any other legally protected status.