The position also partners across leadership, Human Resources, Workforce Management, technology teams, vendors, collection agencies, and debt buyers to strengthen controls, improve resource allocation, resolve operational issues, enhance member engagement, and achieve sustainable delinquency and loss-management outcomes. The position oversees the design and continuous improvement of end-to-end collection and post-charge-off recovery approaches, including risk segmentation, contact strategies, digital communications, settlement structures, legal and third-party placements, and supporting platforms such as FICO Decision Modeler and PenCollect.