Description
Title: Sr. Director, Collections Strategy
Location: Remote
Reports To: VP of Collections
The Company:
Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.
We are guided by people-centered values: Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.
What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers at scale. The result is a quick, fair, and simple experience for consumers and merchants.
We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates — 90%+ in auto service and 85%+ in dental — while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.
Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.
The Role:
As Senior Director, Collections Strategy, you will be responsible for the strategic oversight of our collections lifecycle for pre charge off strategy.
You will focus on designing performance frameworks, strengthening governance, optimizing execution and building pre charge off processes that maximize recovery and minimize risk.
What You'll Do:
- Establish the strategic framework that governs performance across the pre charge-off collections lifecycle
- Design and refine pre charge off operating model including scoring, segmentation, strategy design and execution that includes all channels (agent, digital, outbound/inbound, IVA, AI, etc).
- Partner with cross functional stakeholders to evaluate pre charge off challenges and eliminate points of friction in the collections processes for both internal teams and our customers
- Build and evolve pre charge off processes including payment capability, settlements, reage, hardship programs, dialer/inbound/outbound capability and execution strategy, etc
- Own third party vendor relationships for pre charge off processes
- Establish clear performance and compliance standards
- Lead structured business reviews with vendors
- Drive corrective action plans and performance improvement initiatives
- Partner closely with Compliance, Risk and Legal to ensure vendor oversight aligns with regulatory expectations and third party risk standards, including audit readiness.
- Collaborate with Product and Technology teams on system capabilities and requirements to support pre charge off processes
- Collaborate with Operations leaders to unlock performance opportunities and drive collector effectiveness through targeted skills development, coaching frameworks, optimized tools and scalable process improvements.
Requirements
What You'll Bring:
- 10+ years of experience in consumer lending leading collections and recovery including vendor management
- Strong understanding of pre charge off collection environments including analytic and strategic capability
- Proven experience designing and/or executing collections strategies in multiple channels and stages in the collections lifecycle.
- Strategic thinker who can balance performance optimization with compliance discipline.
- Strong understanding of regulatory requirements associated with governing collections and servicing consumer debt.
- Customer first mindset with a passion for delivering solutions that help them get back on track and stay there.
Why Choose Sunbit?
Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years), Forbes Fintech 50, Deloitte Technology Fast 500, Financial Times, and FinTech Breakthrough for its innovation and impact. The company has also been featured among Newsweek’s Most Loved Workplaces and CB Insights’ Unicorn Companies, reflecting a valuation of $1.1B.
People choose Sunbit for its people-first culture rooted in service, inclusion, and real-world impact. Powered by AI that helps people in life’s critical moments—offering high approvals, speed, and zero fees—Sunbit has achieved proven scale across tens of thousands of merchants and millions of transactions. Its fast, fair, and simple financial products empower consumers and partners alike through clarity and trust.
The Perks:
- Mission driven, empowered, and collaborative culture
- Competitive pay and stock options
- Unlimited PTO
- Comprehensive health benefits (Medical, Dental, Vision, Life, EAP, Parental Leave, HSA, & more)
- Newly added HSA and Pet Insurance
- 401(k) with company match
- Cell Phone Stipend
- Team-based strategic planning and ownership of deliverables
Sunbit is an Equal Opportunity Employer. We strive to provide a professional & welcoming workplace for all employees.
Recruitment Fraud Disclaimer
We’ve been made aware of fraudsters impersonating Sunbit employees during the hiring process. Please note that all official communication will come from an @sunbit.com email address, through our applicant tracking platform @sunbit.comeet-notifications.com or directly via LinkedIn. We will never ask for your age, Social Security number, bank account details, payment of any kind, or other unrelated personal information during the application process. Our hiring process always includes interviews, either by phone, zoom, or in person, before any offer is made. If something feels suspicious, please contact us at [email protected] to confirm.
We ask that you contact [email protected] only about potential instances of fraud. [email protected] does not reach our recruiting team directly. Your application directly through the posting is the best way to ensure that your candidacy is reviewed by our team. Due to the volume of applications, we will not respond to nor forward emails about your candidacy that are sent to [email protected] directly, and your email about your application will be deleted from our systems.