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Head Of Collections Jobs (NOW HIRING)

Rippling

Collections Manager

San Francisco, CA · On-site +1

$105K - $175K/yr

You will work closely with the Head of Servicing & Collections to translate strategy into execution and ensure the team is hitting its targets across Rippling's full product suite. What you will do

Diocese of Austin

Head of Accounting

Austin, TX · On-site

$80K - $100K/yr

The Head of Accounting reports to the Chief Operating Officer and operates under general ... Prepare and supervise the weekly counting of collections and deposits. Verify that all monetary ...

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Head Of Collections information

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$57K

$101.2K

$164K

How much do head of collections jobs pay per year?

As of Jul 31, 2026, the average yearly pay for head of collections in the United States is $101,171.00, according to ZipRecruiter salary data. Most workers in this role earn between $80,000.00 and $110,500.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Head of Collections, and why are they important?

To thrive as a Head of Collections, you need deep expertise in credit management, financial analysis, and debt recovery processes, often supported by a degree in finance, business, or a related field. Familiarity with collection management software, CRM systems, and relevant regulatory compliance certifications is typically required. Strong leadership, negotiation, and strategic communication skills are crucial for managing teams and client relationships effectively. These skills ensure efficient recovery of outstanding debts, regulatory compliance, and the financial stability of the organization.

What are some common challenges faced by a Head of Collections, and how can they effectively address them?

As a Head of Collections, one of the most common challenges is balancing the need to recover outstanding debts while maintaining positive customer relationships. Additionally, managing a team with diverse skill levels and ensuring compliance with legal and ethical standards can be demanding. To address these challenges, effective communication, continuous training, and leveraging technology for data-driven decision-making are essential. Building strong collaboration with legal, finance, and customer service departments also helps streamline processes and achieve collection targets.

What is the difference between Head Of Collections vs Collections Manager?

AspectHead Of CollectionsCollections Manager
ResponsibilitiesOversees entire collections department, develops strategies, manages senior staffManages day-to-day collection activities, supervises collection agents
Required CredentialsOften requires leadership experience, industry-specific knowledge, sometimes advanced degreesTypically requires experience in collections, relevant certifications, and team management skills
Work EnvironmentExecutive-level, strategic planning, cross-department collaborationOperational, team-focused, direct interaction with collection staff
Industry UsageCommon in financial institutions, large corporationsUsed across banks, credit companies, and debt recovery firms

The Head Of Collections is a senior leadership role focused on strategic oversight and department management, while the Collections Manager handles daily operations and team supervision. Both roles require industry-specific knowledge and experience, but the Head Of Collections operates at a higher strategic level.

What does a Head of Collections do?

A Head of Collections is responsible for overseeing an organization's collections department, which manages the recovery of overdue accounts and debts. This role involves developing strategies to improve collection rates, ensuring compliance with legal and regulatory standards, and leading a team of collection agents. The Head of Collections also analyzes data to identify trends, sets targets, and collaborates with other departments to optimize processes. Strong leadership, analytical skills, and knowledge of relevant laws are essential for success in this position.
More about Head Of Collections jobs
What cities are hiring for Head Of Collections jobs? Cities with the most Head Of Collections job openings:
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Head Of Collections jobs near you
Infographic showing various Head Of Collections job openings in the United States as of July 2026, with employment types broken down into 80% Full Time, 17% Part Time, 1% Temporary, and 2% Contract. Highlights an 94% Physical, 2% Hybrid, and 4% Remote job distribution, with an average salary of $101,171 per year, or $48.6 per hour.

Head of Collections, Director/VP

ClarityPay Program Services LLC

New York, NY • On-site

$175K - $225K/yr

Full-time

Medical, Dental, Vision, Retirement

Re-posted 2 days ago

Job description

Job Title: Head of Collections, Director/VP
Reports to: Chief Operating Officer
Location: In Office, New York
About Us:
We give businesses and their customers peace of mind by solving complex credit challenges with precision, speed, and intelligence, combining deep expertise with advanced technology, to simplify the experience and deliver better outcomes, every time.
We're a fast-growing fintech empowering enterprise merchants with smarter, more adaptive pay-over-time solutions. From point-of-sale financing to "Buy Now, Pay Later" programs and loyalty integrated offers, we're building configurable credit tools that help businesses serve more of their customers.
We value teamwork, clarity of purpose, and rigorous attention to data to drive action. We balance speed and excellence to deliver an exceptional customer experience.
Role Overview:
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.
You will not just manage a department; you will design a high-frequency, data-driven system underpinned by bank-grade governance. Reporting directly to the COO, you will sit at the intersection of Finance, Risk, Legal, and Engineering. You will lead a multi-disciplinary effort to maximize net recoveries, shape our regulatory policies, and build a first-class collections organization that treats data as its primary asset.
Key Responsibilities:
  • Governance & Policy Ownership: Establish and own a heightened governance structure that delivers bank-grade compliance results. You will 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. You will 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. You will 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. You will 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. You will be responsible for defining, measuring, and reporting 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. You will 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. You have 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. You 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
  • Change Agent: You have successfully led digital transformation efforts, moving legacy operations into automated, digital-first environments while bringing Legal and Operations along for the journey.
  • Strategic Mindset: You move naturally between high-level policy definition and tactical execution, capable of designing the long-term recovery curve while optimizing a specific operational workflow.

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

Ready to redefine consumer lending with us? Apply today and join a passionate team committed to making financial clarity a reality.
Salary Range: $175K - $225K per year, based on experience and qualifications.
Please email mj@claritypay.com if you are interested along with a resume.
ClarityPay is an equal opportunity employer. We do not discriminate based on race, ethnicity, color, ancestry, national origin, religion, sex, sexual orientation, age, disability, veteran, marital status, or any other legally protected status.

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