Portfolio & Collections Lead

Key Responsibilities

• Monitor and analyze loan portfolio performance, including delinquency trends, roll rates, and repayment behavior.

• Perform hands-on collections activities, including contacting borrowers by phone, text, or email to resolve delinquent accounts.

• Develop and implement collections strategies to improve repayment rates and reduce losses.

• Track portfolio metrics such as delinquency, recoveries, charge-offs, and cure rates.

• Use Excel and operational data to identify trends and recommend improvements to collections strategies.

• Work directly with customers to negotiate payment arrangements and resolve outstanding balances.

• Maintain accurate records of collections activities and borrower communications.

• Identify operational issues in underwriting, servicing, or collections that may impact portfolio performance.

• Prepare regular portfolio performance reports for management.

Qualifications

• Minimum 4 years of experience working in a consumer lending business, with experience in collections or portfolio management.

• Strong analytical and logical thinking skills with the ability to interpret loan performance data.

• Proficiency in Microsoft Excel, including working with datasets and performance tracking.

• Strong communication and negotiation skills when interacting with borrowers.

• Detail-oriented with strong organizational skills.

• Ability to balance data analysis and operational collections work.

Preferred Qualifications

• Experience working with loan servicing systems or collections platforms.

• Experience handling delinquent accounts across multiple stages of collections.

• Familiarity with consumer lending compliance and collections best practices.