Commercial Litigation Recovery Lead

Enova; Denver (CO); Hybrid; USD 140,000 - 190,000; Full time

Benefits offered by this job

Hybrid work schedule

Health, dental, and vision insurance

PTO & paid holidays

Sabbatical program

Parental leave

Summer hours

DEI groups

Charitable matching and volunteer day

Employee recognition program

401(k) matching

Job summary

Enova is seeking a Commercial Litigation Recovery Lead in Denver, CO to advise on litigation strategy and collections policy for recovering small business loans. You will direct outside counsel, manage vendor performance, and partner with Collections, Fraud, Legal, and Analytics to improve recoveries while ensuring compliance with federal and state law.

You will lead and develop the recovery litigation team, provide monthly and executive reporting, and drive process improvements across the pre-

Qualifications

• 3–5 years in commercial collections or creditor-side litigation.
• Experience managing outside counsel or third-party vendors.
• Strong negotiation and risk judgment under pressure.
• Proficiency in Excel and multiple systems (Salesforce, litigation tracking).
• Excellent written and verbal communication with external partners.
• Knowledge of laws governing commercial debt collection and enforcement.
• Juris Doctor from an accredited law school.
• Experience in a law firm or in-house legal department.
• Experience with post-judgment remedies and creditor-side bankruptcy.
• Experience building or managing vendor scorecards, SLAs, or performance-based placement models.

Responsibilities

• Advise on litigation strategy, collections policy, and risk across the small business loan portfolio.
• Direct outside counsel on routine and complex litigation; manage partner performance.
• Translate portfolio insights into recommendations to shape recovery.
• Support Litigation, Bankruptcy, and Analytics teams; assist with escalations and training.
• Manage relationships with outside law firms and OCAs; serve as primary contact for partner leadership.
• Ensure compliance with federal and state law in all litigation and collections activities.
• Partner with Collections, Fraud, Legal, and Analytics to boost recoveries across pre- and post-charge-off lifecycles.
• Lead projects to improve processes, drive efficiency, and increase production.
• Provide monthly and executive reporting on partner and litigation performance.

Skills

Negotiation

Analytical thinking

Project management

Communication

Vendor management

Education

Juris Doctor

Tools

Excel

Salesforce

Litigation tracking systems

Job description

• As the Commercial Litigation Recovery Lead at Enova, you will serve as the team’s go-to advisor on litigation strategy, collections policy, and matters at the intersection of legal and operational risk
• You will direct outside counsel on routine and complex commercial collections litigation, help set and enforce partner performance expectations, and translate portfolio insights into recommendations that shape how Enova recovers on defaulted small business loans
• As a hands‑on leader, you will support the Litigation, Bankruptcy, and Analytics segments, step in on escalated or contested matters, and assist with vendor management, training, and team development. The role reports to the Recovery Litigation Manager
• Manage the relationships with Enova’s outside law firm network and OCAs, serving as the primary point of contact for partner leadership on performance, strategy, and escalations
• Direct outside counsel in routine and complex commercial collections litigation, collaborating on enterprise-wide and case-specific strategy, including post-judgment remedies such as garnishment, levies, and asset recovery
• Ensure litigation and collections activity across the internal team and partner network complies with applicable federal and state law
• Partner with Collections, Fraud, Legal, and Analytics to develop and implement strategies that increase recovery across the pre‑and post‑charge-off lifecycle for Enova’s small business portfolios
• Lead projects to help the recovery litigation team drive efficiency, improve processes, and increase production
• Support the Recovery Litigation Manager with training, coaching, and quality control for recovery team members, and with monthly and executive reporting on partner and litigation performance

Benefits

• Our hybrid roles require in-office work Tuesday through Thursday, with remote flexibility on Mondays and Fridays. This schedule fosters collaboration, team connection, and strategic planning, enhancing communication and effectiveness to drive results
• Health, dental, and vision insurance including mental health benefits
• PTO & paid holidays off
• Sabbatical program (for eligible roles)
• Paid parental leave
• Summer hours (for eligible roles)
• DEI groups (B.L.A.C.K. @ Enova, HOLA @ Enova, Women @ Enova, Pride @ Enova, South Asians @ Enova, APEX @ Enova, and Parents @ Enova)
• Charitable matching and a paid volunteer day…Plus so much more!
• Employee recognition and rewards program
• 401(k) matching plus a roth option

• 3–5 years of experience in commercial collections, creditor‑side litigation, commercial financial services or fintech, or creditor‑side bankruptcy, with demonstrated exposure to managing outside counsel or third‑party vendors
• Strong negotiation, critical thinking, and judgment; able to weigh legal risk against business outcomes and make sound recommendations under pressure
• Proficiency in Excel and comfort navigating multiple systems of record (e.g., Salesforce, vendor management and litigation tracking platforms)
• Demonstrated ability to manage projects independently, hold others accountable to deadlines, and operate with minimal oversight
• Excellent written and verbal communication, including the ability to set expectations with external partners and present to senior leadership
• Working knowledge of the laws and regulations governing commercial debt collection and judgment enforcement, or the ability to acquire it quickly
• Juris Doctor from an accredited law school
• Prior experience working in a law firm, in‑house legal department, or collection agency environment
• Experience with post‑judgment remedies and creditor‑side commercial bankruptcy
• Experience building or managing vendor scorecards, SLAs, or performance‑based placement models