Director, Consumer Collections & Recovery

Coca-Cola Beverages Northeast; United States; Remote; USD 106,000 - 197,000; Full time

Benefits offered by this job

11 paid holidays

Medical, Vision & Dental insurance

401K with generous match

Pension

Tuition Reimbursement

Banking discounts

Job summary

Community Financial System, Inc. (CFSI) seeks a Director of Consumer Collections to lead strategic direction, operations, and regulatory compliance across consumer loan portfolios including mortgages, home equity, auto loans, and related products.

The role oversees delinquency management, loss mitigation, repossession, recovery, and collections activities with a focus on minimizing losses and enhancing customer experience while ensuring compliance with FDCPA, FCRA, and other regulations.

Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, Accounting, or related field.
• 10+ years of progressive experience in consumer collections or related areas.
• 5+ years of leadership experience managing collections or servicing operations.
• Experience with mortgage servicing, loss mitigation, and consumer lending operations.
• Strong analytical, strategic planning, and problem-solving abilities.

Responsibilities

• Develop and execute collections strategies across consumer loan portfolios.
• Oversee delinquency management, loss mitigation, repossessions, and recoveries.
• Ensure compliance with FDCPA, FCRA, RESPA, TILA and CFPB requirements.
• Lead collections managers and staff with a focus on accountability and improvement.
• Monitor portfolio performance and adjust policies with risk teams.

Skills

Consumer collections

Mortgage servicing

Credit risk management

Analytical thinking

Leadership

Regulatory knowledge

Education

Bachelor's degree (Finance / Business / Economics / Accounting)

Job description

Community Financial System, Inc. (CFSI) seeks a Director of Consumer Collections to lead strategic direction, operations, and regulatory compliance across consumer loan portfolios including mortgages, home equity, auto loans, and related products.

The role oversees delinquency management, loss mitigation, repossession, recovery, and collections activities with a focus on minimizing losses and enhancing customer experience while ensuring compliance with FDCPA, FCRA, and other regulations.