Collections Manager

We’re hiring a Collections Manager for Energy Capital Credit Union in the Houston area!

This is a hands-on leadership role for someone who knows collections, can lead a team, and understands how to protect the credit union while still treating members with respect.

• Lead, train, coach, and manage the collections team
• Manage delinquent accounts and work directly with members to bring accounts current
• Monitor promises to pay and ensure timely follow-up
• Handle escalated accounts, member concerns, loan modifications, and settlement offers
• Manage repossessions, recovery efforts, and the disposal of repossessed collateral
• Oversee charge-offs, negative shares, and loss mitigation efforts
• Coordinate bankruptcy, foreclosure, judgments, and other legal collection activity
• Manage third-party collection and recovery vendors
• Monitor delinquency and charge-off ratios and identify trends
• Prepare management reporting and lead the monthly Delinquency Committee Meeting
• Identify underwriting trends that may be contributing to delinquency or losses
• Recommend process and policy improvements to strengthen collection efforts
• Ensure compliance with FDCPA, BSA, OFAC, and credit union policies

• 3-5 years of collections experience, preferably in a bank or credit union
• Leadership or supervisory experience
• Strong hands-on collections and problem-solving skills
• Experience with repossessions, bankruptcies, charge-offs, and loss mitigation
• Someone who can lead a team, get results, and still provide great member service