Collections Strategy Manager

About the role

We are seeking a highly analytical and strategic Credit Card Collections Strategy Manager to drive performance optimization across the collections lifecycle.

Responsibilities

• Develop and execute collections strategies across delinquency stages (early- to late-stage), with focus on improving cure rates, roll rates, and customer engagement
• Leverage data analytics and segmentation to design targeted treatment strategies (SMS, digital, call, legal routing)
• Drive test-and-learn frameworks, including control/treatment design, performance measurement, and statistical validation
• Identify customer segments using behavioral, risk, and engagement data to optimize outreach and recovery strategies
• Partner with cross-functional teams (Legal, Compliance, Operations, Digital Vendors) to implement compliant and scalable strategies
• Monitor key performance metrics (e.g., RPC%, PTP%, liquidation curves, roll rates) and deliver insights to leadership
• Ensure all strategies adhere to regulatory and compliance standards (e.g., TCPA, FDCPA, CFPB guidance)
• Support digital transformation initiatives, including automation and vendor integrations

Requirements

• Bachelor's degree required; Graduate degree preferred
• 5+ years' experience required
• Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages
• Familiarity with digital outreach channels (SMS, email, AI-driven engagement)
• Exposure to regulatory frameworks impacting collections (TCPA, FDCPA, CFPB)

Qualifications

• Strong analytical and problem solving skills are required to interpret data and draw conclusions
• Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background
• Excellent written and verbal communication skills
• Experience in developing and presenting recommendations to Senior Management

Skills

• Advanced data analytics and segmentation techniques
• Data modeling and risk management
• Compliance with regulatory standards (e.g., TCPA, FDCPA, CFPB)
• Collaboration with cross-functional teams
• Use of Relational Databases and ETL processes
• Use of analytical or reporting tools (SAS, R, Matlab, Tableau)

Benefits

Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role.

Pay

$120,000 - $145,600 USD

Schedule

Hours 40