Sr. Director, Recovery Collections

Title: Sr. Director, Recovery Collections

Location: Remote

Reports To: VP of Collections

Sunbit builds financial technology for real life. Our AI-native platform helps more people get to “yes” at the moments that matter with personalized offers, transparent terms, and no added consumer fees. In stores, practices and service centers across the country, Sunbit provides a fast, fair pay-over-time option. For everything else, the Sunbit Credit Card delivers a modern, no-fee credit experience managed in a powerful mobile app.

We are guided by people-centered values:
Serve Others Before Self, Include Always, Connect Genuinely, Innovate for Good. These values shape how we build, how we support customers and merchants, and how we work with each other.

What makes Sunbit different is an AI-native infrastructure that runs through the full customer and merchant journey. Our interconnected AI systems power instant decisioning, streamline fraud checks with human-in-the-loop safeguards, and enable highly personalized offers  result is a quick, fair, and simple experience for consumers and merchants.

We pair this technology with inclusion and transparency. Sunbit delivers industry-leading approval rates—90%+ in auto service and 85%+ in dental—while maintaining zero consumer fee-based revenue. It is a better way to serve people and merchants, proven at scale.

Today, Sunbit is available across a nationwide, in-person merchant network of 30,000+ locations spanning auto service centers, dental and optical practices, veterinary clinics, and other specialty services. We help teams say “yes” more often and help customers move forward with confidence.

As Senior Director, Recovery Collections, you will be responsible for the strategic oversight of our collections lifecycle for post- charge-off recovery including agency placement and debt sales.

You will focus on designing performance frameworks, strengthening governance, optimizing execution and building post- charge-off processes that maximize recovery and minimize risk.

• Establish the strategic framework that governs performance across the post- charge-off collections lifecycle
• Design and refine post- charge-off operating model (agency placements, debt sale timing) and provider support processes
• Partner with cross-functional stakeholders to evaluate post- charge-off challenges and eliminate points of friction in the collections processes for both internal teams and our customers
• Build and evolve post- charge-off processes including agency segmentation and placement strategy, performance management, debt sale strategy and buyer management
• Own third-party vendor relationships across agencies and buyers
• Establish clear performance and compliance standards
• Lead structured business reviews with vendors
• Drive corrective action plans and performance improvement initiatives
• Partner closely with Compliance, Risk and Legal to ensure vendor oversight aligns with regulatory expectations and third-party risk standards, including audit readiness
• Collaborate with Product and Technology teams on system capabilities and requirements to support post- charge-off processes
• Collaborate with Operations leaders to unlock performance opportunities and drive collector effectiveness through targeted skills development, coaching frameworks, optimized tools and scalable process improvements

What You'll Bring:

• 10+ years of experience in consumer lending leading collections and recovery including vendor management
• Strong understanding of both post- charge-off environments
• Proven experience designing and/or executing collections strategies in multiple channels and stages in the collections lifecycle
• Strategic thinker who can balance performance optimization with compliance discipline
• Strong understanding of regulatory requirements associated with governing collections and servicing consumer debt
• Customer-first mindset with a passion for delivering solutions that help them get back on track and stay there

Sunbit is recognized as one of the fastest-growing and most admired fintech companies, earning honors from Inc. 5000 (four consecutive years),…