Collections Specialist - MX

black.ai; Vail (AZ); Remote; USD 90,000 - 120,000; Full time

Job summary

Rejoignez Empower en tant que Collections Strategy & Analytics Manager pour diriger une fonction de collecte de classe mondiale. Ce rôle vous offre l'opportunité de façonner des stratégies de collecte innovantes tout en travaillant dans un environnement dynamique et en pleine croissance. Vos analyses et leadership auront un impact significatif sur l'inclusion financière.

Benefits

Competitive salary

Generous equity

100% coverage for medical, dental, vision, and life insurance

WFH reimbursement

Ongoing opportunities for development

Qualifications

• Expérience de 4+ années en stratégie de collections et analyse des risques.
• Familiarité avec l'automatisation des scores de collecte et techniques d'optimisation.
• Capacité à conduire des analyses de manière pratique.

Responsibilities

• Tester et itérer rapidement sur différentes stratégies de collecte.
• Concevoir des modèles de collecte pour maximiser l'efficacité.
• Diriger une équipe de stratégie et d'analyse.

Skills

Data-driven collections strategies

Risk segmentation

Analytics

SQL

Python

Education

4+ years in collections strategy

Job description

EMPOWER OVERVIEW

Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.

This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech.

Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.

Empower México is a new venture for the company. Launched in 2022, we’ve already helped thousands of customers access fair credit in moments of need — using alternative data and technology to serve those often overlooked by traditional lenders. We’re scaling rapidly and preparing to launch new products that will expand our reach and deepen our impact across the country.

We are seeking a Collections Strategy & Analytics Manager to build a world-class collections function. This is a rare opportunity to take full ownership of collections strategy, risk segmentation, outreach channels, and analytics in a fast-growing, high- impact environment. If you’re looking for a foundational role where you can have massive impact scaling operations that expand financial inclusion, and a wide scope within a high performing team, this is the role for you.

The ideal candidate is a strategic thinker with deep expertise in collections, risk, and analytics. They will have the opportunity to shape the vision, design best-in-class collections strategies, and eventually grow a high-performing team. This individual should be excited about getting in the weeds and hands-on leading analyses. They will drive experimentation, optimize collections performance, and implement data-driven decision-making across all aspects of the function.

This is a remote role with a preference for individuals based in Mexico or in a similar time zone. Occasional travel will be required for company onsites and market visits (minimum 4-6 times per year).

RESPONSIBILITIES

• Test and iterate rapidly on different collections strategies, testing new outreach techniques, incentives, and risk-based approaches.

• Design and implement predictive collections scoring and automation, leveraging segmentation, data analytics, machine learning, and vendors to optimize recovery rates.

• Develop and scale collections outreach models—across digital, automated, and agent-led channels—to maximize efficiency and performance.

• Coordinate and manage relationships with external collection agencies to ensure aligned strategy, consistent performance, and compliance.

• Build and lead a high-performing collections strategy and analytics team, ensuring best-in-class execution and continuous improvement.

• Work cross-functionally with Credit, Data Science, Product, Growth, and Operations teams to refine collections strategy, enhance underwriting insights, and drive innovation.

• Own key collections KPIs, including delinquency rates, recovery efficiency, and overall portfolio performance, ensuring financial targets are met.

• Ensure compliance with all relevant regulatory requirements

QUALIFICATIONS

• 4+ years of experience in collections strategy, risk analytics, and credit risk management in financial services, preferably in consumer lending fintech.

• Proven expertise in data-driven collections strategies, risk segmentation, and model-driven outreach optimization. Deep familiarity with AI-driven collections scoring, automation, and optimization techniques is highly preferred.

• Strong technical skills—proficiency in SQL, Python, and analytics platforms.

• Happy to be hands-on and in the weeds driving analysis themselves.

• Experience working with cross-functional teams and managing complex initiatives in high-growth, fast-scaling environments.

• Strategic thinker with a strong execution mindset—able to translate high-level business objectives into clear, data-backed action plans.

• Excellent verbal and written communication skills, ability to communicate to an executive audience.

• Experience working with regulatory frameworks and compliance requirements in lending/collections is a plus.

Don't meet every qualification? If you're excited about this challenge and driven to innovate, we still want to hear from you!

What You'll Get at Empower

• Meaningful Ownership: Competitive salary and generous equity in a profitable, fast growing company.

• Complete Support: 100% coverage for medical, dental, vision, and life insurance, plus a generous WFH reimbursement.

• High-Impact Teams: The chance to thrive in a small, focused team where your contributions directly shape outcomes for our business and customers.

• Remote First: A virtual first environment built on trust and outcomes.

• Team Connection: Twice-yearly company onsites where we come together to connect, learn, and build for the future (our last few have been in San Diego, Vail, and Flagstaff)!

• Growth Path: Ongoing opportunities for development in a dynamic, supportive, and creative environment.

The Empower Way

The Empower Way is one where bold ambition meets an owner mindset, where open dialogue and spirited debate are encouraged, and where everyone works together to put our customers first. We believe diverse voices lead to the best ideas, and we foster an environment where every individual is valued, heard, and supported as part of one unified team working to change lives and build a more inclusive future.

If that sounds like you, join us and be part of a team that's helping millions of people reshape their financial futures.