Recovery Lead, Commercial Litigation & Collections

Enova; Denver (CO); Hybrid; USD 85,000 - 110,000; Full time

Benefits offered by this job

Hybrid schedule Tue-Thu in-office

Health, dental, vision insurance

401(k) matching

PTO & holidays

Sabbatical program

Summer hours

Parental leave

DEI groups

Employee recognition

Charitable matching

Job summary

Enova is seeking a Commercial Litigation Recovery Lead to guide litigation strategy, manage outside counsel, and optimize recovery on defaulted small business loans. You will collaborate with legal, analytics, and collections teams to improve outcomes and ensure compliance across federal and state law.

The role requires hands-on leadership, vendor management experience, and the ability to present to senior leadership while driving process improvements.

Qualifications

• 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.
• Working knowledge of the laws and regulations governing commercial debt collection and judgment enforcement, or the ability to acquire it quickly.
• Strong negotiation, critical thinking, and judgment; able to weigh legal risk against business outcomes and make sound recommendations under pressure.
• Excellent written and verbal communication, including the ability to set expectations with external partners and present to senior leadership.
• Demonstrated ability to manage projects independently, hold others accountable to deadlines, and operate with minimal oversight.
• Proficiency in Excel and comfort navigating multiple systems of record (e.g., Salesforce, vendor management and litigation tracking platforms).

Responsibilities

• Manage 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.

Skills

Negotiation

Critical thinking

Judgment

Communication

Project management

Excel

Salesforce

Education

Juris Doctor from an accredited law school

Tools

Salesforce

Job description

Enova is seeking a Commercial Litigation Recovery Lead to guide litigation strategy, manage outside counsel, and optimize recovery on defaulted small business loans. You will collaborate with legal, analytics, and collections teams to improve outcomes and ensure compliance across federal and state law.

The role requires hands-on leadership, vendor management experience, and the ability to present to senior leadership while driving process improvements.