Collections Manager

At RIVO, you will find we recognize hard work and performance, foster a culture of growth, and encourage collaboration across departments. We value the unique skills and experiences that each employee brings to the table, recognizing that this diversity strengthens our company and helps us fulfill our core values: Respect, Integrity, Value, and Opportunity. If you share these same values and are eager to grow both personally and professionally, we encourage you to explore opportunities with us and apply today to join our dynamic team! 

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RIVO is growing—and we’re looking for a results-driven, people-first Collections Manager to lead a high-performing team and own a dynamic lending portfolio with exciting revenue expansion opportunities ahead.

In this role, you’ll directly influence the company’s bottom line while building an engaged, accountable collections team that delivers strong results and exceptional customer experiences. If you’re a confident people leader who thrives on coaching, performance optimization, and continuous improvement in a fast-paced environment—we’d love to connect with you.

Why This Role Matters

As Collections Manager, you’ll play a critical role in driving portfolio performance, developing talent, and shaping collections strategy. Partnering closely with senior leadership, you’ll turn data and insights into action—building a motivated, engaged team that consistently exceeds performance targets. Your leadership will directly impact delinquency reduction, recovery rates, and scalable processes, all while ensuring a positive, customer-first experience as the business continues to grow.

What You’ll Do

Drive Portfolio Performance

• Own daily operations of your assigned portfolio to meet or exceed collections revenue goals.
• Establish team quotas and strategies in partnership with senior leadership.
• Monitor performance, forecast results, and identify opportunities to improve outcomes.
• Analyze trends, metrics, and QA feedback to optimize team and individual performance.

Lead & Develop Talent

• Build, coach, and inspire a high-performing collections team.
• Hire, onboard, train, and develop Team Leads and entry-level collectors.
• Set clear goals, deliver ongoing feedback, and conduct performance evaluations.
• Address performance issues and disciplinary actions with consistency and fairness.

Improve Processes & Customer Experience

• Reduce delinquency and increase recovery through effective negotiation and payment strategies.
• Partner with cross-functional teams to improve systems, workflows, and communication.
• Ensure compliance with company policies and all collections-related regulatory standards.
• Resolve complex account issues while balancing company objectives and customer satisfaction.

What You Bring:

• 5+ years of progressive debt collection experience, including 2+ years in a managerial role, with a proven track record of meeting or exceeding portfolio and revenue targets.
• Demonstrated success in building, coaching, and leading high-performing collections teams in a fast-paced, goal-driven environment.
• Strong expertise in negotiation techniques, payment arrangements, and delinquency mitigation strategies that drive recovery while preserving customer relationships.
• Data-driven mindset with the ability to leverage KPIs, QA feedback, and performance reporting to identify trends, improve outcomes, and drive continuous improvement.
• Solid understanding of collections best practices and regulatory compliance within consumer lending environments.
• Proficiency in Microsoft Office Suite (Excel, Outlook, Word) and comfort working in CRM and collections management systems.
• Clear, confident communicator with strong leadership presence and the ability to motivate teams to consistently deliver results.

Company Benefits 

• Optimal Work-Life Balance: Benefit from a schedule with no evening or weekend work – enjoy your weekends for relaxation and personal time 
• Childcare & Family Support: Receive up to $5,000 annually in childcare reimbursement to ease the balancing act of work and family & Exclusive access to comprehensive fertility treatment coverage to financially support your family-building journey
• Stay Fit for Free: Join our FREE weekly group workouts and keep your health and energy levels at their peak 
• Company Events & Social Hours: Enjoy regular happy hours and company-wide events to celebrate achievements and build community with fellow employees 
• Padres Tickets: Catch a Padres game with exclusive access to season long raffle drawings in the RIVO ticket section. Go Padres! 
• Daily Perks: Savor FREE coffee, energy drinks, and snacks – fueling your productivity and satisfaction! 
• Parking & Commute Made Easy: Say goodbye to commuting hassles and high gas prices – enjoy a company-paid parking or MTS pass 
• Dedication Incentives: Opportunity to earn more money with our perfect attendance incentive – your dedication and reliability deserve recognition 
• Generous Time Off: Recharge and live your best life with company paid holidays and PTO each year  
• Comprehensive Health Coverage: Benefit from medical, dental, and vision plans with a 70/30 or 80/20 cost share options—because your well-being is our priority 
• Secure Your Future: Take advantage of our 401(k) plan with employer matching to invest in your future with confidence 

We offer a comprehensive compensation and benefits package where you will be rewarded based on your performance and recognized for the value you bring to the business. For this role, compensation includes a competitive base salary and variable incentive opportunities tied to performance. A reasonable estimate of the annual on-target earnings (OTE) for this job is $70,304 to $110,000+. Individual compensation within these ranges takes into account a wide range of factors considered in making decisions, including but not limited to education, experience and training, licensure and certifications, knowledge and skill sets, and other business and organizational needs.

RIVO Holdings, LLC is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, citizenship status, disability, age (40 years old or older) and genetic information (including family medical history), past or present military or veteran status, or any other characteristic protected by applicable law.