Collections Risk Management Lead

About the Role: Flex is building the AI-native private bank for business owners. As the Collections Risk Management Lead, you will be a key member of the Flex Risk Management Leadership Team (reporting to the Chief Risk Officer). You will own end-to-end collections risk management for Flex's credit card portfolio across consumer and small business segments, from early delinquency through post charge-off recovery.

What You'll Do

• Manage early-stage and late-stage collections, optimizing contact timing, channel mix, and intervention strategies.
• Maintain analytical visibility into hardship programs, modification outcomes, and settlement strategies.
• Define the strategic boundary between in-house collections and third-party placement, managing agency relationships and KPIs.
• Own charge-off timing policy, build recovery rate forecasts, and model collections performance under adverse conditions.
• Partner cross-functionally with credit, legal, finance, and operations to align strategies with loss reserve inputs and regulatory obligations.

What You Bring

• 7–15 years of hands-on Collections risk management experience, preferably within a bank, regulated card program, or fintech.
• Analytically self-sufficient: proficient in SQL and Python or R, capable of building roll rate matrices and recovery forecasts from raw data.
• Practical experience managing third-party collections agencies and understanding liquidation economics.
• Familiarity with the regulatory overlay on collections (FDCPA, Reg F, UDAAP) and distinct SMB collection dynamics.
• Ability to translate delinquency and recovery dynamics into crisp narratives for risk committees and senior leadership.

Benefits

• Base salary range of $150,000 - $250,000 per year.
• Equity in the company provided in addition to base compensation to foster a culture of ownership.
• Significant upward potential in a foundational role reporting directly to the C-suite.
• 100% remote work flexibility within the USA.