Role Summary/Purpose:

- Lead the end-to-end development and execution of strategies designed to optimize recovery outcomes. This role includes ideation, in-depth data analysis , design of tests and rollouts, and collaboration with stakeholders and business partners to implement initiatives effectively. Additionally, you will oversee strategy controls, monitor performance, and ensure compliance with regulatory requirements and operational risk management.

Key Responsibilities:

- Own and drive the overall strategy for company Internal Recovery, leveraging data-driven insights and advanced segmentation techniques to optimize eligibility, treatments (including emails, SMS / text, calling, letters, and offers) and recall / exit criteria including developing proposed email creatives, text messages and letter creatives.

- Develop, test, and implement innovative recovery tactics aimed at reducing net losses while balancing compliance and operational risks. This includes integrating "Pre-Legal" collections into Internal Recovery and revamping post-charge-off recovery strategies for Secured Installment Loans, leading to enhanced recovery performance.

- Collaborate closely with Recovery Operations, Technology teams, and 2nd Line stakeholders to ensure aligned strategies and smooth execution, maintaining a balance between speed and quality.

- Partner across recovery channels-such as debt sales, debt settlement company (DSC), legal, and agency recovery-to achieve cohesive progress towards the overall strategic objectives for company's Recovery business.

- Ensure all strategy and related Non-Model Tool (NMT) documentation and controls are comprehensive, accurate, and up to date.

- Ensure robust governance, processes and controls are in place. Prevent, detect and remediate issues.

- Lead or co-lead support for frequent regulatory exams, audits and reviews including explaining policies, strategies, tests and reporting.

- Partner with Recovery Operations and the Business Intelligence team to ensure robust, accurate and timely Recovery business intelligence / reporting / MIS.

- Lead or support other team initiatives and projects as needed, including 1) Leading recovery inventory tag management for team resolving stagnant inventories as needed and conducting periodic attestations; 2) championing the team's efforts to support the recovery system of record migration to the cloud (DMSM), including leading the development and execution of test scripts and validations to ensure a successful implementation.

Required Skills/Knowledge:

- Master's degree in a quantitative discipline (e.g., science, engineering, Mathematics, Operations Research, Economics, MBA) or Bachelor's in a similar discipline with 5+years' of strategy, analytics, credit / risk management or consulting experience or in lieu of degree, 7+ years' of relevant experience is required.

- 5+ years' experience with strategy analytics, including leading champion vs. challenger testing from start to finish and developing decision tree segmentation's using CHAID, CART or similar tools

- 5+ years' experience utilizing data driven analytical skills, advanced skills in SAS, SQL, data mining

- Demonstrated strong communication skills in presentations to senior leadership and effective cross-functional collaborations

- Strong PC proficiency (Microsoft Suite, including: Word, Excel and PowerPoint) or comparable software applications

Desired Skills/Knowledge:

- Prior Collections or Recovery Strategy development or Operations management experience

- Strong intellectual curiosity and problem solving skills. Strong relationship building, communication and influencing skills.

- Demonstrated ability to drive initiatives from idea through implementation.

Eligibility Criteria:

- Master's degree in a quantitative discipline (e.g., science, engineering, Mathematics, Operations Research, Economics, MBA) or Bachelor's in a similar discipline with 5+years' of strategy, analytics, credit / risk management or consulting experience or in lieu of degree, 7+ years' of relevant experience is required.