Senior Analyst- Collections and Risk Operations

Efficient Capital Labs; United States; Remote; USD 80,000 - 110,000; Full time

Job summary

A leading fintech company is seeking a Senior Analyst for Collections and Risk Operations. This role involves managing the collections process and customer servicing, requiring strong analytical and communication skills. The position offers remote flexibility and significant growth potential.

Benefits

Remote flexibility

Access to decision-makers

Cross-functional exposure

Qualifications

• 3–5 years of experience in end-to-end collections or credit operations.
• Experience managing high-value accounts ($100K–$3M) with senior stakeholders.

Responsibilities

• Own the full lifecycle of collections and post-funding servicing.
• Design strategies for timely repayments while maintaining relationships.

Skills

Analytical Mindset

Communication

Negotiation

Tools

Excel

CRM

Job description

Senior Analyst- Collections and Risk Operations

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Efficient Capital Labs (ECL) is a New York-based fintech company providing non-dilutive growth capital to global B2B SaaS and AI startups. Backed by QED Investors and 645 Ventures, we help cross-border companies scale faster — without giving up equity, control, or time.

We’ve deployed $100M+ across 150+ companies, and we’re building the next generation of founder-first capital — flexible, fast, and aligned with how modern founders operate.

As the Collections & Customer Risk Ops Lead, you’ll own the full lifecycle of collections and post-funding servicing. From CXO-level follow-ups to operational problem-solving, you’ll help safeguard capital while preserving relationships. This is a high-trust, high-impact role that blends analytical thinking, structured execution, and stakeholder empathy.

What You’ll Do

End-to-End Collections Ownership

• Take complete ownership of the collections process, from initial tracking to final resolution — across a global portfolio of B2B SaaS & AI customers.
• Design and execute account-specific strategies to ensure timely repayments, balancing firm follow-up with relationship sensitivity.
• Lead consultative communications with CEO/CFO-level stakeholders, via scheduled calls, emails, and written correspondence — focusing on resolution.
• Continuously track aging, missed payments, broken promises, and upcoming risks, and log actions in internal systems with discipline.
• Analyze banking data, revenue contracts, and cash flow behavior to inform proactive outreach and identify recovery opportunities.
• Own collections reporting, building dashboards and summaries to highlight performance, trends, and operational bottlenecks.
• Recommend and initiate escalations to Legal or senior management where necessary, while maintaining a focus on retention and partnership.
• Support internal and external reporting obligations for collections performance, delinquency status, and borrower behavior.

Risk Operations & Servicing for Existing Customers

• Serve as the operational point of contact for customer servicing requests post-funding, including:
• Customer requested letters
• Lien filings and releases
• Bank account or disbursement changes
• Coordinate internally with Risk, Legal, and Sales teams to manage loan lifecycle actions efficiently.
• Identify opportunities to improve operational efficiency, reduce turnaround times, and enhance borrower experience through automation or playbook development.
• Contribute to internal policies, playbooks, and servicing SOPs to help scale operations without compromising control.

What You Bring

• 3–5 years of experience in end-to-end collections, credit operations, or customer-facing risk roles — ideally in fintech or commercial lending.
• Ability to independently manage a collections portfolio with high-value accounts ($100K–$3M) and senior-level stakeholders.
• Excellent communication and negotiation skills — capable of maintaining a consultative tone while achieving recovery goals.
• Strong analytical mindset; able to draw insights from bank statements, customer contracts, and payment trends to drive action.
• Detail-oriented, self-driven, and able to manage competing priorities with minimal supervision.
• Experience in loan servicing operations such as lien filings, payoff processing, and amendments is a strong plus.
• Proficiency in Excel/Sheets, CRMs, tracking tools, and a plus for BI dashboards.

Why Join ECL

• High-impact role with full ownership of a mission-critical function in a scaling fintech.
• Direct access to decision-makers and an opportunity to shape policies and tooling.
• Cross-functional exposure in a collaborative, execution-driven team.
• Remote flexibility with periodic in-person offsites and long-term growth potential.