Head of Collections — MCA Recovery & Growth

Neto Capital; Florida; On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Direct access to CEO/COO

Competitive compensation with bonuses

Job summary

Neto Capital is hiring a Head of Collections to own recovery across our MCA portfolio. You'll manage defaults and at-risk accounts directly, set collections strategy and settlement authority, and build out the function as the portfolio grows.

This role requires merchant cash advance collections experience specifically — daily and weekly ACH remittance structures, reconciliation demands, and stacked positions. You'll lead the team, set standards, and report trends to management.

Qualifications

• Minimum 4+ years in collections or recovery.
• Experience with MCA defaults and ACH remittance.
• Proven ability to negotiate settlements.
• Willingness to build the function hands-on.

Responsibilities

• Own recovery on defaulted and delinquent MCA accounts: negotiate restructures, settlements, and payment arrangements within defined authority.
• Set collections strategy and escalation policy — when to restructure, when to place with outside counsel or agencies, when to pursue UCC remedies.
• Build and lead the collections team; set call standards, file documentation requirements, and performance targets.
• Report portfolio delinquency, recovery rates, and default trends to management, and feed patterns back to Underwriting and Risk.

Skills

MCA collections

Settlement negotiation

Leadership

Hands-on attitude

Data reporting

Tools

Salesforce

HubSpot

Zoho

Job description

Neto Capital is hiring a Head of Collections to own recovery across our MCA portfolio. You'll manage defaults and at-risk accounts directly, set collections strategy and settlement authority, and build out the function as the portfolio grows.

This role requires merchant cash advance collections experience specifically — daily and weekly ACH remittance structures, reconciliation demands, and stacked positions. You'll lead the team, set standards, and report trends to management.