Collections Strategy Manager

Work Location Wilmington, Delaware, États-Unis d'Amérique Hours 40 Pay Details $91,000 - $145,600 USD Line Of Business Gestion des risques Job Description We are seeking a highly analytical and strategic Credit Card Collections Strategy Manager to drive performance optimization across the collections lifecycle. This role will leverage advanced data analytics and segmentation techniques to design, test, and optimize collections strategies that improve customer outcomes while ensuring compliance with regulatory standards. The ideal candidate brings deep experience in credit card collections, strong analytical capabilities, and a knowledge-seeking, hypothesis-driven mindset to continuously refine strategies. Key Responsibilities Develop and execute collections strategies across delinquency stages (early- to late-stage), with focus on improving cure rates, roll rates, and customer engagement Leverage data analytics and segmentation to design targeted treatment strategies (SMS, digital, call, legal routing) Drive test-and-learn frameworks, including control/treatment design, performance measurement, and statistical validation Identify customer segments using behavioral, risk, and engagement data to optimize outreach and recovery strategies Partner with cross-functional teams (Legal, Compliance, Operations, Digital Vendors) to implement compliant and scalable strategies Monitor key performance metrics (e.g., RPC%, PTP%, liquidation curves, roll rates) and deliver insights to leadership Ensure all strategies adhere to regulatory and compliance standards (e.g., TCPA, FDCPA, CFPB guidance) Support digital transformation initiatives, including automation and vendor integrations Depth & Scope Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis Effectively works cross-functionally with teams outside of risk Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date Ensures sound credit control by taking a pro‑active approach to risk management within the risk guidelines of the Bank Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups Education & Experience Bachelor's degree required; Graduate degree preferred 5+ years' experience required Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc. Strong analytical and problem solving skills are required to interpret data and draw conclusions Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background Excellent written and verbal communication skills Experienced in developing and presenting recommendations to Senior Management Preferred Qualifications Bachelor’s degree in STEM (e.g., Statistics, Mathematics, Engineering, Computer Science, Economics) Experience with collections lifecycle strategy across multiple products or portfolios Familiarity with digital outreach channels (SMS, email, AI-driven engagement) Exposure to regulatory frameworks impacting collections (TCPA, FDCPA, CFPB) Physical Requirements Domestic Travel – Occasional International Travel – Occasional Performing sedentary work – Frequent Performing multiple tasks – Continuous Operating standard office equipment – Continuous Responding quickly to sounds – Frequent Sitting – Continuous Standing – Occasional Walking – Occasional Moving safely in confined spaces – Occasional Lifting/Carrying (under 25 lbs.) – Occasional Lifting/Carrying (over 25 lbs.) – Occasional Squatting – Occasional Bending – Occasional Kneeling – Occasional Crawling – Never Climbing – Never Reaching overhead – Occasional Reaching forward – Occasional Pushing – Occasional Pulling – Occasional Twisting – Occasional Concentrating for long periods of time – Continuous Applying common sense to deal with problems involving standardized situations – Continuous Reading, writing and comprehending instructions – Continuous Adding, subtracting, multiplying and dividing – Frequent Our Total Rewards Package Our Total Rewards package reflects the investments we make in our colleagues to help them and their families achieve their financial, physical and mental well‑being goals. Base salary and variable compensation/incentive awards (e.g., eligibility for cash and/or equity incentive awards, generally through participation in an incentive plan) and several other key plans such as health and well‑being benefits, savings and retirement programs, paid time off (including Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and reward and recognition. Accommodation TD Bank is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, status as a protected veteran or any other characteristic protected under applicable federal, state, or local law. If you are an applicant with a disability and need accommodations to complete the application process, please email TD Bank US Workplace Accommodations Program at View email address on click.appcast.io. Include your full name, best way to reach you and the accommodation needed to assist you with the applicant process. #J-18808-Ljbffr