Lead Risk Servicing & Collections - US

About Drip Capital:
Drip Capital is a leading fintech company that provides innovative, unsecured working capital solutions to small and medium-sized enterprises (SMEs) across global markets. We use data-driven insights and cutting-edge technology, and have already financed over $7 billion to empower businesses with the financial support they need to grow. As we scale, we’re looking for an experienced Lead of Risk Servicing & Collections - US to lead efforts in managing stressed accounts and optimizing recovery strategies in the U.S. SME market.

Role Overview:

As the Lead of Risk Servicing & Collections - US, you will lead and manage the entire collections strategy and operations for our U.S. SME loan portfolio. This hands-on role requires a proactive leader with a track record of driving results in collections and risk management, negotiating complex payment plans, and managing distressed accounts effectively for US SMBs. You will work closely with cross-functional teams and report to senior leadership, ensuring collections processes are efficient, compliant, and customer-focused.

Key Responsibilities:

1. 
   

   Collections Strategy & Leadership

   
   




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  Develop and execute strategies to minimize delinquencies, defaults, and charge-offs while maintaining strong client relationships.

  
  


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  Lead, mentor, and grow a high-performing collections team, ensuring a culture of excellence, accountability, and continuous improvement.

  
  


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  Refine and implement collections policies and procedures, focusing on risk servicing and loss mitigation.

  
  




2. 
   

   Risk Management & Client Engagement

   
   




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  Oversee risk servicing, identifying, assessing, and mitigating credit risk while ensuring sustainable recovery for the portfolio.

  
  


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  Lead negotiations with distressed borrowers, balancing risk mitigation with customer satisfaction, and develop payment plans, forbearance, and loan modifications.

  
  


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  Maintain strong relationships with external partners such as third-party collection agencies, attorneys, and other key stakeholders.

  
  

1. 
   

   Data-Driven Insights & Performance Management

   
   




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  Utilize data analytics to monitor portfolio performance, identify risk trends, and optimize collection efforts.

  
  


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  Prepare and present regular reports on collections performance, highlighting key risks, trends, and actionable insights to senior leadership.

  
  


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  Track and optimize KPIs like recovery rates, delinquency trends, and payment adherence to ensure efficient and effective collections processes.

  
  




2. 
   

   Team Development & Cross-Department Collaboration

   
   




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  Recruit, train, and develop a high-performing collections team, ensuring ongoing professional development and a focus on operational excellence.

  
  


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  Collaborate with senior leadership, legal, credit, growth, and operations teams to design strategies that reduce risk and enhance the collections lifecycle.

  
  


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  Work with finance and accounting teams to ensure accurate reporting and management of collection-related financial records and loan loss reserves.

  
  




3. 
   

   Education:

   
   




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  Bachelor's degree in Finance, Economics, Engineering, or a related field.

  
  


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  MBA or relevant certifications are a plus.

  
  

Why Join Us?

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  Be part of a rapidly growing fintech company revolutionizing trade finance and empowering global SMEs.

  
  


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  Lead a high-impact team with the opportunity to shape the future of collections and risk servicing.

  
  


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  Competitive compensation, benefits, and a collaborative work environment.

  
  


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  Drive innovation in the collections function, contributing directly to the company's growth and success.