Cardless
Collections Lead: Strategy & Operations
Cardless, San Francisco, California, United States, 94199
Overview
At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 14 credit cards, including for Alibaba and Qatar Airways. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.
We value curiosity, humility, and intensity —we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
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We’re looking for someone to lead our collections efforts as we scale our consumer credit card programs. Here’s what you’ll be expected to do:
Develop and Implement Collections Strategies
Design end-to-end collections frameworks that leverage behavioral insights and advanced analytics
Orchestrate the evolution from reactive collections to proactive customer engagement models
Develop sophisticated segmentation methodologies that align intervention strategies with customer journey touchpoints
Build and Scale In-House Collections Capabilities
Build our in-house collections infrastructure from foundation to scale, including talent acquisition, technology implementation, and process optimization
Establish comprehensive performance management frameworks for third-party agency relationships
Create seamless integration between internal and external collections capabilities
Leverage Technology and Analytics
Implement predictive modeling to identify pre-delinquency signals and optimize intervention timing
Deploy machine learning solutions that personalize outreach strategies based on customer communication preferences
Design real-time performance dashboards that enable agile strategy refinement
Optimize Collection Rates
Develop omnichannel engagement strategies that transform collections interactions into relationship-building opportunities
Create narrative frameworks that encourage collaborative problem-solving rather than confrontational collections approaches
Design friction-reducing payment pathways that maximize both recovery rates and customer retention
Ensure Regulatory Compliance
Architect robust compliance monitoring systems that ensure adherence to evolving regulatory requirements including:
Fair Debt Collection Practices Act (FDCPA) communication and disclosure protocols
Consumer Financial Protection Bureau (CFPB) Regulation F timing and contact frequency limitations
Telephone Consumer Protection Act (TCPA) consent management for automated communications
Fair Credit Reporting Act (FCRA) reporting accuracy standards
Regulation V dispute resolution timelines and documentation requirements
Develop training programs that embed compliance consciousness throughout collections operations
Create documentation frameworks that demonstrate regulatory diligence
Requirements
6+ years progressive leadership in consumer credit collections, with demonstrable success optimizing recovery metrics while maintaining customer relationships
Proven track record building collections operations from conceptual design to scaled implementation
Exceptional analytical capabilities, including proficiency with advanced data visualization tools and statistical analysis
Demonstrated expertise managing external agency partnerships, including contract negotiation and performance optimization
In-depth understanding of regulatory frameworks governing collections activities, particularly in consumer financial services
Experience implementing technology solutions that enhance collections efficiency and effectiveness
$140,000 - $185,000 a year Plus, equity and benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.
Benefits We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits:
Meaningful Start-up equity
100% health, vision & dental primary coverage
75% health, vision & dental dependent coverage
Catered lunches
$250/month Commuter benefit
Parental leave
Team building events & happy hours
Flexible PTO with a minimum of 15 days off per year
Apple equipment
401k plan
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Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.
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We value curiosity, humility, and intensity —we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $90M in equity funding from top venture capital firms and angels.
———
We’re looking for someone to lead our collections efforts as we scale our consumer credit card programs. Here’s what you’ll be expected to do:
Develop and Implement Collections Strategies
Design end-to-end collections frameworks that leverage behavioral insights and advanced analytics
Orchestrate the evolution from reactive collections to proactive customer engagement models
Develop sophisticated segmentation methodologies that align intervention strategies with customer journey touchpoints
Build and Scale In-House Collections Capabilities
Build our in-house collections infrastructure from foundation to scale, including talent acquisition, technology implementation, and process optimization
Establish comprehensive performance management frameworks for third-party agency relationships
Create seamless integration between internal and external collections capabilities
Leverage Technology and Analytics
Implement predictive modeling to identify pre-delinquency signals and optimize intervention timing
Deploy machine learning solutions that personalize outreach strategies based on customer communication preferences
Design real-time performance dashboards that enable agile strategy refinement
Optimize Collection Rates
Develop omnichannel engagement strategies that transform collections interactions into relationship-building opportunities
Create narrative frameworks that encourage collaborative problem-solving rather than confrontational collections approaches
Design friction-reducing payment pathways that maximize both recovery rates and customer retention
Ensure Regulatory Compliance
Architect robust compliance monitoring systems that ensure adherence to evolving regulatory requirements including:
Fair Debt Collection Practices Act (FDCPA) communication and disclosure protocols
Consumer Financial Protection Bureau (CFPB) Regulation F timing and contact frequency limitations
Telephone Consumer Protection Act (TCPA) consent management for automated communications
Fair Credit Reporting Act (FCRA) reporting accuracy standards
Regulation V dispute resolution timelines and documentation requirements
Develop training programs that embed compliance consciousness throughout collections operations
Create documentation frameworks that demonstrate regulatory diligence
Requirements
6+ years progressive leadership in consumer credit collections, with demonstrable success optimizing recovery metrics while maintaining customer relationships
Proven track record building collections operations from conceptual design to scaled implementation
Exceptional analytical capabilities, including proficiency with advanced data visualization tools and statistical analysis
Demonstrated expertise managing external agency partnerships, including contract negotiation and performance optimization
In-depth understanding of regulatory frameworks governing collections activities, particularly in consumer financial services
Experience implementing technology solutions that enhance collections efficiency and effectiveness
$140,000 - $185,000 a year Plus, equity and benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.
Benefits We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits:
Meaningful Start-up equity
100% health, vision & dental primary coverage
75% health, vision & dental dependent coverage
Catered lunches
$250/month Commuter benefit
Parental leave
Team building events & happy hours
Flexible PTO with a minimum of 15 days off per year
Apple equipment
401k plan
———
Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.
#J-18808-Ljbffr