Collections Strategy Manager

TD Bank Group; Wilmington, Northern (DE, KY); Hybrid; USD 120,000 - 136,000; Full time

Job summary

TD Bank Group in Wilmington, Delaware seeks a highly analytical Credit Card Collections Strategy Manager to drive performance optimization across the collections lifecycle. You will design, test, and optimize collections strategies using advanced data analytics to improve customer outcomes while ensuring regulatory compliance.

The ideal candidate has deep credit card collections experience and a hypothesis-driven mindset.

Qualifications

• Bachelor's degree required; Graduate degree preferred.
• 5+ years' experience in credit card collections or risk management.
• Proficient with MS Excel and PowerPoint; strong analytical skills.

Responsibilities

• Develop and execute collections strategies across delinquency stages (early to late) to improve cure rates, roll rates, and customer engagement.
• Leverage data analytics and segmentation to design targeted treatment strategies (SMS, digital, call, legal routing).
• Drive test-and-learn frameworks, including control/treatment design, performance measurement, and statistical validation.
• Identify customer segments using behavioral, risk, and engagement data to optimize outreach and recovery strategies.
• Partner with cross-functional teams (Legal, Compliance, Operations, Digital Vendors) to implement compliant and scalable strategies.
• Monitor key performance metrics (RPC%, PTP%, liquidation curves, roll rates) and deliver insights to leadership.
• Ensure all strategies adhere to regulatory and compliance standards (TCPA, FDCPA, CFPB guidance).
• Support digital transformation initiatives, including automation and vendor integrations.

Skills

Customer segmentation

Risk segmentation

Portfolio segmentation

Credit risk strategies

Collections strategies

A/B testing

Test-and-learn

Experimental design

Decision trees

Champion/challenger testing

Education

Bachelor's degree

Graduate degree

Tools

SQL

SAS

R

Tableau

MATLAB

ETL

Relational databases

Job description

## Collections Strategy ManagerApply: Office Focused: Wilmington, Delaware: Greenville Campus Building A - 200 Carolina Point Parkway, Greenville, South Carolina: 101 North Tryon Street, Charlotte, North Carolina: Mt Laurel - 6000 Atrium Way, Mount Laurel, New Jersey: 4600 Touchton Road (Jacksonville Call Center), Jacksonville, Florida: Full time: Posted Today: End Date: November 9, 2026 (27 days left to apply): R\\_1516136**Work Location:**Wilmington, Delaware, United States of America**Hours:**40**Pay Details:**$120,000 - $136,240 USDTD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs.As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.**Line of Business:**Risk Management**Job Description:**We are seeking a highly analytical and strategic Credit Card Collections Strategy Manager to drive performance optimization across the collections lifecycle. This role will leverage advanced data analytics and segmentation techniques to design, test, and optimize collections strategies that improve customer outcomes while ensuring compliance with regulatory standards. The ideal candidate brings deep experience in credit card collections, strong analytical capabilities, and a knowledge-seeking, hypothesis-driven mindset to continuously refine strategies. **Key Responsibilities*** Develop and execute collections strategies across delinquency stages (early- to late-stage), with focus on improving cure rates, roll rates, and customer engagement* Leverage data analytics and segmentation to design targeted treatment strategies (SMS, digital, call, legal routing)* Drive test-and-learn frameworks, including control/treatment design, performance measurement, and statistical validation* Identify customer segments using behavioral, risk, and engagement data to optimize outreach and recovery strategies* Partner with cross-functional teams (Legal, Compliance, Operations, Digital Vendors) to implement compliant and scalable strategies* Monitor key performance metrics (e.g., RPC%, PTP%, liquidation curves, roll rates) and deliver insights to leadership* Ensure all strategies adhere to regulatory and compliance standards (e.g., TCPA, FDCPA, CFPB guidance)* Support digital transformation initiatives, including automation and vendor integrations **The Ideal Candidate will have:*** Experience with customer, risk and portfolio segmentation* Experience building and driving credit risk and collections strategies* Experience with A/B Testing* Familiarity with the test-and-learn framework* Experience with experimental design* Experience with decision-trees* Champion/challenger testing **Depth & Scope:*** Demonstrates governance, control and risk management behaviors in alignment with TD policies and practices* Leads/participates in the identification, development and implementation of new initiatives, operating workflow, additional services/applications or operational efficiencies including potentially leading special project teams or cross functional work groups* Assists with developing and enhancing credit risk assessment capabilities to identify and maintain good business opportunities with new and existing clients* Performs detailed analysis and interprets information to make recommendations to Senior Management on critical strategies including non-standard and ad-hoc requests as determined by management* Creates reports on the results of implemented strategies, using all appropriate quantitative methods and MIS, and makes recommendations to increase efficiencies and revenue while managing credit risk and produce those reports on a regular basis* Effectively works cross-functionally with teams outside of risk* Works with Internal Audit / External Regulators, to ensure that documentation for all work processes is complete and up-to-date* Ensures sound credit control by taking a pro-active approach to risk management within the risk guidelines of the Bank* Ensures the timely communication of issues that are relevant to the team and encourages a good working relationship with other internal and external groups **Education & Experience:*** Bachelor's degree required; Graduate degree preferred* 5+ years' experience required* Proficient PC skills including a strong competency in MS Excel and PowerPoint, and a variety of PC-based analytical and reporting software packages* Experience with the use of Relational Databases and the process of Extract Transform Load (ETL) using common languages such as SQL or SAS* Familiar with various analytical or reporting tools, such as SAS, R, Matlab Tableau, etc.* Strong analytical and problem solving skills are required to interpret data and draw conclusions* Experience in data modeling and risk management either from a business administration, statistical, mathematical, scientific or financial background* Excellent written and verbal communication skills* Experienced in developing and presenting recommendations to Senior Management **Preferred Qualifications:*** **Bachelor’s degree in STEM** (e.g., Statistics, Mathematics, Engineering, Computer Science, Economics)* Experience with **collections lifecycle strategy across multiple products or portfolios*** Familiarity with **digital outreach channels** (SMS, email, AI-driven engagement)* Exposure to **regulatory frameworks** impacting collections (TCPA, FDCPA, CFPB) **Physical Requirements:**Never: 0%; Occasional: 1-33%; Frequent: 34-66%; Continuous: 67-100%* Domestic Travel – Occasional* International Travel – Occasional* Performing sedentary work – Frequent* Performing multiple tasks – Continuous* Operating standard office equipment - Continuous* Responding quickly to sounds – Frequent* Sitting – Continuous* Standing – Occasional* Walking – Occasional* Moving safely in confined spaces – Occasional* Lifting/Carrying (under 25 lbs.) – Occasional* Lifting/Carrying (over 25 lbs.) – Occasional* Squatting – Occasional* Bending – Occasional* Kneeling – Occasional* Crawling – Never* Climbing – Never* Reaching overhead – Occasional* Reaching forward – Occasional* Pushing – Occasional* Pulling –Occasional* Twisting – Occasional* Concentrating for long periods of time – Continuous* Applying common sense to deal with problems involving standardized situations – Continuous* Reading, writing and comprehending instructions – Continuous* Adding, subtracting, multiplying and dividing – Frequent The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties and skills required. The listed or specified responsibilities & duties are considered essential functions for ADA purposes.