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Pagaya is an AI-driven fintech company reshaping the financial services ecosystem by providing consumer credit and residential real estate solutions through a network of lending partners. The company uses machine learning and sophisticated data analytics to deliver seamless financial products at scale.
You will join the commercial team as a Senior Lead for Collections & Recovery, reporting to senior leadership. This is an individual contributor role with significant strategic influence across Pagaya's partner network. You will develop and execute collections and recovery strategies that enhance oversight and performance across personal and auto loan portfolios.
Key responsibilities include:
- Designing, managing, and maintaining collection and recovery tests and strategies to improve roll rates, charge-off rates, and returns
- Optimizing payment programs, engagement and outreach, debt settlement company handling, and recovery channel performance
- Building and monitoring core collections and recovery KPIs by asset class and partner
- Developing business insights through collaboration with internal teams and partners; maintaining roadmaps and communicating proposals to executive audiences
- Working cross-functionally with internal and external stakeholders to drive better business outcomes in collections and recovery
- Driving risk and loss reduction initiatives
You will influence a broad network of fintech leaders and help build out this function within Pagaya's growing organization.
REQUIREMENTS:
- 8–10 years of experience managing collections and recovery strategies
- Expertise in the US collections and recovery space, particularly personal loans or auto loans
- Intimate knowledge of consumer credit best practices and applicable regulations (FDCPA, UDAAP, TCPA, RegF)
- Experience in fintech (preferred)
- Proven track record building and managing: payment and hardship program strategies, outbound and digital channel outreach strategies, payment optimization, and first-line-of-defense risk monitoring
- Deep knowledge of recovery channels including debt sales, repossession, litigation, internal recovery, and third-party vendor management
- Training or education in analytics, business intelligence, strategy development, or related field
