Senior Director of Collections

Kueski, Inc.

Job Overview

Location

Mexico (remote)

Job Type

Full-time

Full Job Description

📋 Description

• Lead, scale, and transform Kueski’s end-to-end Collections organization to support 10x business growth while maintaining regulatory compliance and customer trust.
• Define and communicate the long-term Collections vision, strategy, and success metrics in partnership with the VP of Strategic Planning, ensuring alignment with company OKRs and KPIs.
• Own end-to-end collections execution including early-, mid-, and late-stage recovery, managing both in-house teams and external agency partners.
• Design and execute data-driven recovery strategies to optimize roll rates, recovery curves, cash flow, and loss mitigation across customer cohorts and risk tiers.
• Develop and refine segmentation, contact, and treatment strategies based on behavioral data, product type, and portfolio performance.
• Balance recovery effectiveness with customer experience, ensuring all collections practices align with Kueski’s brand values and ethical standards.
• Lead the strategy for charged-off portfolio sales, including eligibility criteria, timing, pricing frameworks, and partner selection to maximize recoveries and free operational capacity.
• Partner with Product and Engineering to design and implement an AI-driven, automated collections operating model that scales with future growth.
• Drive automation across key workflows: payment retries, prioritization, contact strategies, self-serve options, and agency management.
• Champion innovation in collections through AI-driven decisioning, predictive modeling, and digital-first recovery approaches.
• Own the collections budget from planning through variance analysis, ensuring financial discipline and alignment with company forecasts.
• Collaborate closely with Risk & Fraud to align collections strategies with underwriting policies, credit risk appetite, and portfolio behavior.
• Ensure full compliance with Mexican consumer protection regulations, internal policies, and audit readiness for all collections operations.
• Define and monitor core KPIs including roll rates, recovery rates, cure rates, cash collected, cost-to-collect, and agency performance.
• Develop and track leading indicators to detect early signs of portfolio deterioration, operational breakdowns, or system failures, integrating insights into the Operational Backbone initiative.
• Provide data-backed executive reporting to connect collections performance to unit economics, liquidity, and financial outcomes.
• Lead, develop, and inspire a diverse team of managers and frontline staff across internal and vendor teams, fostering accountability and operational excellence.
• Partner with People Success on organizational design, hiring, training, incentive structures, and change management initiatives.
• Champion Kueski’s values of integrity, empathy, customer focus, and innovation across all collections functions.
• Build and maintain strong relationships with external collections agencies, technology providers, and regulatory stakeholders.
• Serve as the primary executive point of contact for Collections performance, risk outcomes, and recovery strategy across the organization.

🎯 Requirements

• 10+ years of experience in Collections, Credit Operations, or Loan Servicing within high-volume, tech-enabled financial services or fintech organizations
• 7+ years of leadership experience managing managers and overseeing large-scale collections organizations (100+ headcount across internal and external teams)
• Proven experience in fintech or financial services, ideally within BNPL, personal loans, or consumer credit products
• Strong track record designing and scaling collections strategies that improve recovery, reduce losses, and protect customer relationships
• Demonstrated success partnering with Product and Engineering on automation, system migrations, or AI-driven collections initiatives
• Advanced analytical skills with the ability to interpret data, identify patterns, and make timely decisions

🏖️ Benefits

• Certified as a Best Place to Work for LGBTQ+ Equality by HRC Equidad MX 2025
• Ranked among the Best Companies for Female Talent by EFY
• Recognized as one of the most ethical companies in Mexico by AMITAI
• Named one of the World’s Top FinTech Companies by CNBC
• Commitment to diversity, equity, and inclusion with systematic promotion of belonging
• Reasonable accommodations available during the hiring process upon request

Skills & Technologies

Senior

Remote

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Kueski, Inc.

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About Kueski, Inc.

Mexico-based fintech that underwrites and disburses unsecured consumer loans through its online platform, using alternative data and machine-learning models to assess credit risk for underbanked individuals. Founded in 2012, it provides instant micro-loans paid via SPEI, buy-now-pay-later checkout financing for e-commerce merchants, and employee salary-advance products. Operations span Mexico and select Latin American markets, partnering with retailers and payroll systems to embed lending at the point of sale.

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