Head of Collections, Director/VP

About the role

ClarityPay is seeking a Head of Collections to lead the transformation of our collections and recovery performance functions. This is a high-impact leadership role responsible for defining the strategic roadmap for collections, scaling our operational capabilities, and pioneering the industry's shift toward AI-assisted, digital-first recovery models.

Key Responsibilities

• Governance & Policy Ownership: Establish and own a heightened governance structure that delivers bank-grade compliance results. Author the internal policies and frameworks, including operating procedures and training documents, that dictate our collections practices, ensuring strict adherence to federal and state regulations (FDCPA, FCRA, UDAAP).
• Strategic Legal Collaboration: Partner seamlessly with Legal and Compliance to translate rigid regulations into operational flexibility. Negotiate the "guardrails" that allow our ML and operational teams to test, optimize, and safely execute dynamic outreach strategies without introducing regulatory risk.
• Process & Planning Optimization: Re-architect our planning, operational, and management processes. Build the resilient, auditable workflows necessary to support a continuous-learning data environment, ensuring that every decision is traceable and defensible.
• AI & Agentic Migration: Lead the migration from traditional agent-led collections toward AI agent-assisted interfaces. Shape the logic, persona, and compliance boundaries of our automated agents to drive digital engagement and surgical, automated nudges.
• Performance Accountability: Own the "Net Recovery Rate" KPI. Define, measure, and report on the instrumentation of all management levers and their causal effects on repayment behavior, communicating these metrics to the executive team and external capital partners.
• Engineering Partnership: Act as the primary business owner for the Decision Science and ML Engineering teams. Translate collections goals into technical requirements for causal ML frameworks to optimize timing, channel, and messaging (e.g., "Stick vs. Carrot") for every customer interaction.

What We're Looking For

• Experience: 10+ years in credit, collections, or risk management within a regulated FinTech or banking environment, with a proven track record of improving recovery performance at scale.
• Regulatory Fluency: Deep, practical expertise in consumer finance regulations. Successfully navigated bank-grade audits and know how to draft policies that satisfy both regulators and ambitious data scientists.
• Technical Acumen: While you are a business leader, you are finance and data native. Understand core concepts central to collections such as lifetime value, connection between operational metrics and financial outcomes, causal effects, and orthogonality of unit metric change from distributional impact.
• What Sets Us Apart: At ClarityPay, we don't treat Collections as a back-office burden; we treat it as a decision management product. You will have the resources of a modern AWS/Databricks stack, a world-class team of ML engineers, and the executive mandate to build the most sophisticated, compliant, and efficient collections engine in the FinTech space.

What We Offer

• Competitive compensation and equity package.
• Comprehensive benefits (medical, dental, vision).
• Collaborative office culture with a strong product mindset.
• Opportunities to grow, lead, and shape the future of consumer finance.
• 401k program

Salary Range

$175K - $225K per year, based on experience and qualifications.