Collections Manager

About the role

Rippling is a global fintech operating across software, payments, and lending, moving tens of billions of dollars across payroll, cards, and payment products. As our product surface area and geographic footprint expand, the complexity of servicing accounts and recovering unpaid obligations increases materially. The Collections Manager will be a foundational hire on a team that is still being built.

Responsibilities

• Manage the daily operations of the collections team, including workload distribution, queue management, and SLA adherence across delinquent accounts spanning corporate cards, payroll, EOR, and subscription billing.
• Coach, develop, and performance-manage a team of Collections Associates, providing regular feedback, handling escalations, and building a high-accountability team culture.
• Serve as the escalation point for complex, sensitive, or high-balance accounts, applying sound judgment on treatment strategies, payment arrangements, and dispute resolution.
• Partner with the Head of Servicing & Collections to develop and refine collection policies, treatment strategies, and standard operating procedures as the team scales.
• Monitor and report on team performance metrics, productivity benchmarks, surfacing trends and recommending adjustments.
• Identify process gaps and operational inefficiencies and drive improvements, working cross-functionally with Risk, Finance, Legal, and Product as needed.
• Contribute to hiring, onboarding, and training as the team grows, helping establish the foundational knowledge and practices that new Associates will build on.

Requirements

• 5+ years of experience in collections, servicing, or accounts receivable, with at least 3 years managing or leading a team.
• Experience working across multiple product types — ideally including credit or lending, payment products, and/or SaaS subscription billing.
• A hands-on, ownership-oriented mindset — this is an early role on a growing team and requires someone willing to do the work, not just direct it.
• Strong coaching instincts and a track record of developing individual contributors and holding teams accountable to performance standards.
• Comfort operating in ambiguous environments where processes are still being defined; ability to bring structure without waiting for it to be handed to you.
• Solid analytical skills with the ability to interpret collections performance data and translate it into operational action.
• SQL or similar experience a plus.
• Familiarity with regulated collections environments and an understanding of relevant compliance requirements (e.g., FDCPA, state-level regulations).

Qualifications

• College degree required.
• Experience with financial services, fintech, or related industries preferred.

Skills

• Excellent communication and interpersonal skills.
• Ability to handle sensitive and confidential information with discretion.
• Strong problem-solving and decision-making abilities.
• Ability to work independently and as part of a team.

Benefits

• Competitive salary + benefits + equity.
• Flexible work schedule.
• Collaborative work environment and company culture.
• Opportunities for growth and development.

Pay

The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here.

Ripple's pay range for this role is: 105,000 - 175,000 USD per year (US Tier 1) 94,500 - 157,500 USD per year (US Tier 2) 89,250 - 148,750 USD per year (US Tier 3)

Schedule

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role.