Aqua Finance, Inc.

Aqua provides flexible financing programs to dealers, contractors, and retailers so families can realize their dreams.

Director, Collections Strategy

CollectionsCollectionsFull TimeRemoteTeam 201-500Since 1985H1B No SponsorCompany SiteLinkedIn

Location

United States

Posted

16 days ago

Salary

Not specified

Bachelor Degree7 yrs expEnglishPythonSQLTableau

Job Description

• Own the enterprise outbound collections strategy and roadmap across dialer, SMS, and email channels. • Define customer segmentation and contact cadences aligned to risk tiers, DPD, roll rates, and collectability. • Establish and govern contact policies, including caps, quiet hours, time-zone rules, channel prioritization, and suppression logic. • Partner with Dialer Management to optimize predictive, power, and preview strategies, routing, and callback workflows. • Set performance standards and monitor RPC, PTP, cure rates, abandonment, call quality, and agent productivity. • Collaborate with Workforce Management on list strategy, pacing, penetration, and occupancy targets. • Lead SMS and email program strategy, including consent management, suppression frameworks, and sender reputation. • Oversee compliant message libraries and dynamic content strategies by segment and customer intent. • Drive test-and-learn initiatives, including A/B and multivariate testing across channels, cadence, and messaging. • Develop executive-level dashboards and analytics to measure effectiveness, incremental lift, and ROI. • Ensure compliance with FDCPA, TCPA, CAN-SPAM, Regulation F, UDAAP, privacy laws, and applicable state requirements. • Maintain strategy documentation, change governance, and audit readiness. • Provide strategic oversight of dialer platforms, SMS aggregators, and email service providers. • Lead cross-functional change initiatives, aligning Operations, Compliance, Technology, and frontline teams.

Job Requirements

  • Bachelor’s degree in related field, or commensurate work experience required
  • 7 years of experience in collections, credit operations, or lifecycle marketing
  • 3 years leading outbound dialer, SMS, and email strategies.
  • 3 years of people leadership experience.
  • Hands-on experience with predictive dialers, SMS orchestration, and email deliverability fundamentals.
  • Practical understanding of outbound communications compliance, including FDCPA, TCPA, CAN-SPAM, Regulation F, and consent/privacy requirements.
  • Experience in regulated financial services environments such as fintech, lending, credit cards, auto, BNPL, or telecom.
  • Strong analytical skills, including proficiency with SQL, Excel, and BI tools (e.g., Power BI, Tableau, Looker).
  • Familiarity with risk scoring, propensity modeling, or ML-driven segmentation approaches.
  • Exposure to scripting or analytics languages (e.g., Python or R) for deeper analysis.
  • Experience with SMS 10DLC compliance, STIR/SHAKEN call labeling mitigation, and domain or sender reputation management.
  • Ability to translate complex data and strategy into clear executive and operational communications.
  • Strong attention to detail and accuracy in a highly regulated environment.
  • Ability to thrive in a fast-paced, change-driven organization.

Benefits

  • Health insurance
  • Retirement plans
  • Paid time off
  • Flexible work arrangements
  • Professional development

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