Director, Collections - Strategy

Position Summary
The Director, Collections –Strategy is responsible for developing and executing enterprise‑level strategies to optimize the recovery of outstanding debts while maintaining a strong customer‑focused approach. The role provides strategic leadership in utilizing resources and technologies to achieve delinquency, cure, and loss mitigation goals in alignment with organizational objectives. The Director ensures all collection activities comply with policies, procedures, and regulatory requirements while driving process enhancements that improve operational efficiency and effectiveness. Success is measured through oversight of key performance metrics such as FICO Decision Modeler, FICO Optimization, dialer effectiveness, delinquency rates, cure percentages, and overall portfolio performance.

Essential Duties and Responsibilities

Lead the development, integration, and expansion of advanced technologies, including FICO tools, to enhance collections performance.

Oversee system transitions, platform administration, and process improvements that increase operational efficiency and scalability.

Maintain a customer‑centric approach to collections, balancing debt recovery with positive client relationships.

Build and scale quality control and audit functions to ensure compliance, risk management, and operational excellence.

Monitor and analyze delinquency trends and loss rates; adjust strategies as needed and communicate insights to executive leadership.

Develop and implement collection strategies that maximize resources, minimize expense, and align with organizational goals.

Ensure compliance with all federal and state regulations, company policies, and industry standards governing debt collection practices.

Develop, update, and enforce collection policies, procedures, and protocols for business continuity, including natural disaster account blocking.

Approve and manage collection‑related expenses, ensuring fiscal responsibility and alignment with budget objectives.

Prepare and deliver regular reports to senior management on performance, goals, risks, and strategic initiatives.

Partner with cross‑functional leaders to align collections operations with enterprise‑wide strategies and priorities.

Maintain confidentiality with regular access to specified personal information of consumers, including, but not limited to, Social Security numbers and dates of birth.

Other duties may be assigned; responsibilities may change.

Additional Responsibilities
Perform the above‑referenced essential duties and responsibilities as well as assist in directing the work of employees assigned to the department by leading and overseeing their day‑to‑day activities, work schedules, and by providing work‑related guidance to the Collections Specialized Services team in accordance with company policies. The position does not authorize hiring, firing, promotion, demotion, formal discipline, reassignment, or alteration of employee benefits – those decisions are made by the responsible senior manager(s) in consultation with Human Resources.

Required Experience

Minimum 6 years’ experience in collections, credit risk management, or related financial services functions.

Minimum 2 years’ leadership experience with demonstrated success in directing large‑scale collections operations or specialized services teams.

Education

Bachelor’s degree in Finance, Business, or a related field.

Skills Required

Proven experience developing and implementing strategies that balance delinquency/loss reduction with customer experience.

Experience with FICO Decision Modeler and optimization products.

Strong background in regulatory compliance (FDCPA, UDAAP, state/federal lending and collections laws).

Experience with system transitions, automation, and integration of advanced technologies (AI/RPA) in a collections environment.

Demonstrated ability to lead cross‑functional initiatives, manage budgets, and influence executive‑level decision‑making.

Proven track record of achieving debt recovery targets.

Strong technical skills from DM, Flows, SMS, Email, dialers, etc.

Strong leadership and team management skills.

Analytical and data‑driven mindset.

Excellent communication and negotiation skills.

Overtime
N/A

Travel
0–10% as required on an as‑needed basis.

Transportation
Must have reliable transportation and live within a commutable distance to Atlanta, GA; Dallas, TX; Detroit, MI; Houston, TX; Phoenix, AZ.

Qualifications Preferred

Experience using Google Analytics Dashboards, Tableau Desktop/Server, Microsoft Office tools such as Excel and PowerPoint, SQL, SAS, Power BI, and related data platforms.

Experience with email, SMS software and vendors, and exposure to Salesforce CRM.

Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform these duties.

Work Environment
Work environment characteristics are representative of those an employee encounters while performing the essential functions. Noise level is usually moderate.

Work Schedule
This position is a hybrid role requiring in‑office presence based on business needs. It requires flexibility to work various shifts to meet business needs, typically between the hours of 8:00 AM and 6:00 PM, Monday through Friday, with occasional weekend availability. Travel is estimated at 0–10%.

Equal Opportunity Employer Statement
Stellantis Financial Services, Inc (SFS) is an equal opportunity employer and is committed to providing an environment free of harassment, discrimination, and intimidation. SFS complies with all applicable employment laws and regulations and provides equal opportunity for all qualified persons. Employment decisions are based on merit, ability, achievement, experience, conduct, and other legitimate business reasons. Candidates must be authorized to work in the United States. SFS does not sponsor work visas for this position.

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