Director - Collections & Recovery

United Consumer Financial Services Compa As a part of the global industrial organization Marmon Holdings—which is backed by Berkshire Hathaway—you’ll be doing things that matter, leading at every level, and winning a better way. We’re committed to making a positive impact on the world, providing you with diverse learning and working opportunities, and fostering a culture where everyone’s empowered to be their best. The Director of Collections & Recovery is a senior leader responsible for designing, executing, and continuously optimizing the organization’s end-to-end collections strategy. This includes oversight of early-stage, high-risk, late-stage, and outsourced agency operations. The role ensures strong portfolio performance, adherence to all federal and state regulations, and delivery of a best‑in‑class customer experience throughout the repayment lifecycle. This position partners closely with Risk, Customer Service, Operations, Compliance, and Finance to reduce delinquency, maximize recoveries, modernize processes, and support sustainable portfolio growth. The Director will lead collections teams and vendor partners, manage dialer strategies, oversee quality monitoring, and implement omni‑channel communication frameworks to drive efficiency and results. ESSENTIAL DUTIES & RESPONSIBILITIES Strategic Leadership & Portfolio Performance Develop and execute the companywide collections strategy to reduce delinquency, improve cure rates, and optimize recoveries across all risk segments. Monitor portfolio performance trends and proactively adjust tactics, staffing, dialer strategy, and outreach channels. Review KPI dashboards (e.g., roll rates, PTP kept, DPD trends, liquidation rates, call productivity) to guide daily operations and long‑term decision‑making. Partner with Credit Risk to align underwriting strategy and collections policies with emerging trends. Operational Excellence Lead early‑stage, high‑risk, late‑stage, and specialty queue operations to ensure consistent execution and compliance. Oversee outbound dialing strategies, text/email communication workflows, and channel optimization to maximize contact rates. Drive process improvement initiatives to reduce operational friction, improve agent efficiency, and enhance customer experience. Implement and maintain SOPs, call guides, and QA frameworks to ensure consistent performance. People Leadership Lead, develop, and mentor collections manager and supervisors to build a high‑performing, data‑driven culture. Establish clear performance expectations, conduct regular coaching sessions, and ensure ongoing leadership development. Facilitate workforce planning, hiring, onboarding, and succession planning for the Collections department. Compliance & Risk Management Ensure full compliance with FDCPA, Reg F, UDAAP, TCPA, state regulations, SCRA, and company policies. Partner with Compliance and Legal to monitor regulatory changes and update processes accordingly. Oversee QA monitoring, complaint resolution, and root‑cause analysis to mitigate risk and prevent recurrence. Ensure proper documentation and audit readiness for all collections processes and vendor relationships. Vendor & Agency Management Manage relationships with third‑party collection agencies, skip‑trace providers, and technology vendors. Evaluate agency performance, set liquidation targets, negotiate contracts, and ensure adherence to compliance requirements. Implement agency scorecards, regular performance reviews, and accountability structures. Technology & Innovation Collaborate with IT and Operations to optimize dialer configuration, segmentation logic, and automation. Evaluate and implement tools such as AI‑assisted QA, predictive analytics, and omni‑channel communication platforms. Lead digital transformation efforts within the collections function to increase efficiency and reduce operating costs. SKILLS & ABILITIES Strategic Thinking & Decision Making Portfolio Performance Management Compliance & Regulatory Discipline Operational Optimization Change Leadership Cross‑Functional Collaboration Data Interpretation & Storytelling Coaching & Talent Development Vendor & Technology‑Enabled Transformation Leadership MINIMUM QUALIFICATIONS 7+ years of experience in consumer lending, financial services collections/recovery, or a related credit risk function, including at least 3 years leading collections staff, cross‑functional teams, or strategic vendor/technology initiatives within a regulated lending environment. Working knowledge of FDCPA, Reg F, UDAAP, TCPA, and state collection laws, with the ability to build deep regulatory fluency quickly; hands‑on compliance experience in a collections environment strongly preferred. Demonstrated success improving portfolio performance through strategy, analytics, and operational execution, or through leading vendor and technology transformation initiatives that materially improved recovery outcomes. Following receipt of a conditional offer of employment, candidates will be required to complete additional job‑related screening processes as permitted or required by applicable law. We are an equal opportunity employer, and all applicants will be considered for employment without attention to their membership in any protected class. Welcome to the biggest small business you’ll ever find. Part of Berkshire Hathaway, Marmon is a global industrial organization made of 11 industry groups with 30K employees and $12 billion in annual revenue. As leaders in their respective industries, our 120+ companies thrive on an independent mindset and entrepreneurial spirit. At the same time, they benefit from being part of our industry groups—where they’re able to tap into the expertise and insights of other Marmon companies. While we’re all unique, we all share a common commitment to doing things that matter, leading at every level, and winning a better way. When you work at Marmon, you're advancing our everyday world and beyond. Our engineering solutions help millions around the world stay connected, healthy, and safe. Wherever you're at in your career, our people and resources will help you go further. As you grow your skills, you can also move up and around our 120+ companies. Work at a place you can stand behind. We show up to win every day, uphold the highest ethical standards, and always look to put each other in the best position to win. #J-18808-Ljbffr United Consumer Financial Services Compa