Collections Risk Management Lead

Flex is building the AI-native private bank for business owners. The Collections Risk Management Lead is a key member of the Flex Risk Management Leadership Team who will have the opportunity to take the Fraud Risk Management function at Flex to a level that rivals the best in class.

Requirements

• Own end-to-end collections risk management for Flex's credit card portfolio across consumer and small business segments
• Design and refine treatment strategies by risk segment, balance tier, and obligor type
• Manage pre-charge-off intervention strategies
• Define settlement authorization frameworks by balance tier, DPD, and obligor type
• Evaluate the NPV trade-off between discounted resolution and continued collection effort
• Governing agency settlement authority to avoid both under-recovery and adverse selection among accounts
• Identify accounts where legal escalation is warranted based on balance size, recovery probability, and obligor profile
• Maintain an analytical framework for litigation referral thresholds and track outcomes by segment
• Understand the owner-as-guarantor dimension in SMB accounts and where personal liability creates additional recovery optionality
• Build and maintain collections performance frameworks that surface deterioration signals early and enable proactive treatment rather than reactive loss management
• Synthesize data across sources to segment the delinquent population intelligently and match treatment intensity to recovery probability
• Partner cross-functionally with credit, legal & compliance, finance, and operations to ensure collections strategy is aligned with loss reserve inputs, regulatory obligations, and customer experience standards
• Contribute to stress testing and loss forecasting: model collections performance under adverse conditions and translate recovery assumptions into net loss projections

Benefits

• Equity in the company
• Base Compensation $150,000 - $250,000 a year