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TD Bank
Collections Strategy ManagerTD Bank • Charlotte, NC, United States
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Collections Strategy Manager

Collections Strategy Manager

TD Bank • Charlotte, NC, United States
12 days ago
Job type
  • Full-time
Job description

Credit Card Collections Strategy Manager

We are seeking a highly analytical and strategic Credit Card Collections Strategy Manager to drive performance optimization across the collections lifecycle. This role will leverage advanced data analytics and segmentation techniques to design, test, and optimize collections strategies that improve customer outcomes while ensuring compliance with regulatory standards.

The ideal candidate brings deep experience in credit card collections, strong analytical capabilities, and a knowledge-seeking, hypothesis-driven mindset to continuously refine strategies.

Key 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

Education & Experience

  • 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
  • Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS
  • Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.
  • 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
  • Experienced in developing and presenting recommendations to Senior Management

Preferred Qualifications

  • Bachelor's degree in STEM (e.g., Statistics, Mathematics, Engineering, Computer Science, Economics)
  • Experience with collections lifecycle strategy across multiple products or portfolios
  • Familiarity with digital outreach channels (SMS, email, AI-driven engagement)
  • Exposure to regulatory frameworks impacting collections (TCPA, FDCPA, CFPB)

Physical Requirements

  • Domestic Travel Occasional
  • International Travel Occasional
  • Performing sedentary work Frequent
  • Performing multiple tasks Continuous
  • Operating standard office equipment - Continuous
  • Responding quickly to sounds Frequent
  • Sitting Continuous
  • Standing Occasional
  • Walking Occasional
  • Moving safely in confined spaces Occasional
  • Lifting/Carrying (under 25 lbs.) Occasional
  • Lifting/Carrying (over 25 lbs.) Occasional
  • Squatting Occasional
  • Bending Occasional
  • Kneeling Occasional
  • Crawling Never
  • Climbing Never
  • Reaching overhead Occasional
  • Reaching forward Occasional
  • Pushing Occasional
  • Pulling Occasional
  • Twisting Occasional
  • Concentrating for long periods of time Continuous
  • Applying common sense to deal with problems involving standardized situations Continuous
  • Reading, writing and comprehending instructions Continuous
  • Adding, subtracting, multiplying and dividing Frequent

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.

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Collections Strategy Manager • Charlotte, NC, United States

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