Collections and Loss Mitigation - Sup - Member Care Collections (Full-Time)

Golden 1 Credit Union; Sacramento (CA); On-site; USD 78,000 - 84,000; Full time

Job summary

Golden 1 Credit Union in Sacramento, CA seeks an experienced Supervisor - Member Care Collections who can lead a growing collections team. You will drive performance, coaching, and compliant practices while balancing member service with risk management.

The role reports to Manager - Collections and focuses on strategy, reporting, and loss mitigation. Must have a Bachelor's in business/finance and 5+ years in collections; salary range $77,500–$84,000 annually with comprehensive benefits.

Qualifications

• Bachelor’s Degree in business, finance, or related field required.
• 5+ years in collections, or a related role within the financial industry required.
• Equivalent job experience within a financial institution will also be considered.

Responsibilities

• Lead and motivate a team of collectors to achieve departmental goals and develop staff.
• Communicate with members to gather information and discuss delinquency options.
• Develop and implement collections strategies to minimize losses and maximize recovery.
• Oversee financial analyses of members' finances to assess ability to pay.
• Manage escalated member calls and complaints professionally.
• Generate reports and provide updates on key performance indicators.
• Oversee Loss Mitigation intake and collaborate with the team.
• Design training programs to ensure staff stay compliant with regulations.
• Conduct audits of collections processes for accuracy and compliance.

Education

Bachelor’s Degree in business, finance, or related field

5+ years in collections, or a related role within the financial industry

Equivalent job experience within a financial institution will also be considered

Job description

Job Title: Supervisor - Member Care Collections
Status: Exempt
Reports to: Manager - Collections
Department: Collections and Loss Mitigation
Job Code: 11528
Pay Range: $77,500.00 - $84,000.00 Annually
Location:

Who We Are

Golden 1 Credit Union is among the top credit unions in the country. As a member-owned, not-for-profit cooperative, Golden 1 is guided by the credit union philosophy of “people helping people.” We are committed to empowering our members and uplifting our communities as we create a more equitable and financially inclusive California. We welcome all who embrace our Core Values.

Who You Are

You are a dedicated and results-oriented leader with expertise in collections operations, member care, and team development. You excel at balancing financial risk mitigation with a member-first approach, using data-driven insights, effective coaching, and compliant collections strategies to achieve results. Known for your problem-solving skills, sound judgment, and ability to lead through complex situations, you foster a high-performing team focused on recovery, service excellence, and continuous improvement.

What You'll Do

• Team Leadership * Lead and motivate a team of collectors to achieve departmental goals and objectives. Conduct regular performance evaluations and implement development plans for team members. Foster a positive and engaging work environment for each team member by promoting skill development, coaching for improvement and growth, inspiring others through your words and actions, ensuring positive employee morale throughout Golden 1, and embracing our mission, vision, and core values. Responsible for disciplinary actions, training new employees, as well as ongoing training of established employees.
• Communication and Collaboration * Communicate with members to gather additional financial information and discuss delinquency resolution options. Collaborate with internal teams, including collections to share insights and coordinate resolution efforts.
• Collections and Digital Channel Management * Develop and implement comprehensive and effective collections strategies to minimize losses and maximize recovery while maintaining positive member relationships. Monitor and analyze collection performance metrics, while identifying areas for improvement and implementing solutions. Stay abreast of changes with FDCPA regulatory requirements to ensure the Credit Union remains compliant. Manage our new CCS Platform for emails and text messaging strategies.
• Financial Management * Oversee the development and execution of the financial aspects of the collections process. Conduct in-depth analysis of members’ financial situations, including income, expenses, and outstanding debts. Utilize financials and other relevant data to assess the member’s ability to meet financial obligations. Identify and evaluate delinquency risks based on financial analysis and historical payment behavior.
• Escalated Issues * Manage and resolve escalated member calls and complaints efficiently and professionally and provide effective solutions.
• Reporting and Analysis * Generate and analyze reports to assess the effectiveness of collection strategies. Provide regular updates to Member Care leadership on key performance indicators and areas of opportunity and improvement. Utilize data-driven insights to make informed decisions and adjustments to strategies.
• Loss Mitigation Intake * Oversee the intake process for Loss Mitigation requests while working closely with the Loss Mitigation Team to assess and mitigate potential financial losses.
• Training and Development * Develop and deliver training programs for collections staff to ensure they are well-equipped with the necessary skills and knowledge. Stay informed about changes in regulations and industry best practice and incorporate updates into job aids.
• Audits and Reviews * Conduct regular audits of collections processes and transactions. Perform reviews to ensure compliance with company policies and regulatory requirements.
• Perform other duties as assigned.
  

Qualificiations And Preferences

• Bachelor’s Degree in business, finance, or related field required
• Equivalent job experience within a financial institution will also be considered
• 5+ years in collections, or a related role within the financial industry required

Why Join Us

Golden 1 Credit Union provides its employees a market-competitive and internally equitable total rewards compensation package through a variety of programs. These programs are designed to attract, motivate, and retain employees that drive and support the achievement of Our Mission, Vision, and Strategic Goals. The Credit Union is committed a total rewards philosophy built on; a comprehensive compensation package, well-being and work-life balance, career development and growth, rewards and recognition, and a commitment to Diversity, Equity and Inclusion. We believe in fostering a workplace where every employee is recognized, valued, and motivated to contribute their best.

Disclaimer/Intent And Function Of Job Descriptions

The above information on this description has been designed to indicate the general nature and level of work performed by team members within this classification. Because the nature of positions and job functions can change over time, this job description is not designed to contain or be interpreted as a comprehensive inventory of all essential functions, duties, responsibilities and qualifications requirements of team members assigned to this job. Job duties may be changed or modified in the Credit Union’s discretion. The Credit Union will keep team members updated on key functions, duties, and requirements of their position by communications from the Credit Union and by updating the job description from time to time. Any team member with questions about the nature of their job duties is encouraged to consult with their supervisor.