About Drip Capital

We are a US-based fintech company revolutionizing global trade for SMEs. At Drip Capital, we’re redefining the future of trade finance and facilitation, empowering small and medium-sized enterprises (SMEs) to scale internationally with ease.

With the global SME trade market exceeding $5 trillion, our mission is to provide businesses in emerging markets with seamless access to capital—eliminating red tape and outdated processes. By leveraging cutting-edge technology, we make trade finance fast, efficient, and hassle-free. Beyond financing, we simplify trade and sourcing, helping SMEs navigate global markets effortlessly.

Headquartered in Palo Alto, California, with offices in India, Drip Capital is strategically positioned to meet the evolving needs of SMEs in emerging markets.

Backed by top investors—including Accel, Peak XV, Wing VC, Sequoia India, Y Combinator, GMO, SMBC Japan, Barclays, and IFC—Drip has facilitated over $7 billion in trade across 10,000+ buyers and sellers. As we continue to grow, we remain committed to transforming global trade for SMEs worldwide.

Role Overview:

We are looking for a seasoned and strategic leader to join our team as the Head of Risk Servicing & Collections – U.S., responsible for leading the life-cycle of collections strategy, operations, and risk servicing for our U.S.-based SME lending portfolio. This role sits at the intersection of credit risk, operational excellence, customer experience, and regulatory compliance.

You will be accountable for designing and executing strategies that optimize recoveries, reduce delinquencies and charge-offs, and support the long-term health of our loan book. You’ll lead a cross-functional team of internal and external stakeholders, work directly with distressed borrowers, and be instrumental in building scalable systems, processes, and policies for risk servicing.

This is a hands-on leadership role requiring deep domain expertise in commercial lending collections (especially SMB or SME segments), a data-driven mindset, and a strong understanding of the regulatory landscape in the U.S.

What You’ll Be Doing:

1. Collections strategy & leadership

• Develop and own the U.S. collections road-map aligned with broader credit and portfolio risk objectives
• Build and manage scalable, segmented strategies for early-stage delinquency, mid-stage recovery, and late-stage collections
• Design and deploy frameworks for prioritizing accounts, segmenting by risk and potential recovery, and automating workflows
• Drive continuous improvement across collections processes, technologies, and operating models

2. Team leadership & organizational development

• Lead a high-performing internal team of collections managers, analysts, and support staff
• Manage external partners such as third-party collections agencies (TPCAs), legal counsel, and debt recovery services
• Foster a culture of performance, integrity, and customer-centric collections
• Lead workforce planning, hiring, training, performance management, and succession planning

3. Risk servicing & borrower engagement

• Own the strategy for customer outreach, hardship handling, workout programs, and loss mitigation tactics
• Create and manage standardized borrower engagement frameworks including forbearance programs, loan modifications, and repayment plans
• Develop playbooks for negotiating with distressed borrowers in a compliant and customer-first manner
• Ensure empathetic, respectful handling of borrower communications throughout the collections journey

4. Data, reporting & portfolio analytics

• Build dashboards and tracking tools to monitor key risk indicators: roll rates, delinquency buckets, cure rates, recovery rates, etc
• Analyze portfolio performance across cohorts, products, and risk bands; develop actionable insights
• Work with BI/data science teams to test and implement predictive models for collections efficiency and borrower behavior
• Present portfolio performance and risk trends to executive leadership and board-level stakeholders

5. Compliance,governance & risk controls

• Ensure collections practices are fully compliant with federal, state, and local regulations (e.g., FDCPA, ECOA, TCPA, UDAAP)
• Maintain clear documentation of policies, controls, and escalation procedures
• Coordinate with legal and compliance teams to proactively address regulatory risks and audit requirements
• Establish strong governance protocols to manage vendor oversight, complaints, and borrower disputes

6. Systems, tools & automation

• Drive the selection and implementation of collections technologies
• Collaborate with product and engineering teams to build automation capabilities into borrower communications and workflows
• Identify opportunities for AI/ML tools to enhance prioritization, recovery probability scoring, and agent recommendations
• Ensure system integration with credit, loan servicing, finance, and reporting platforms

7. Cross-Functional & Executive Collaboration

• Partner with internal teams across Credit Risk, Legal, Finance, Growth, Operations, and Product to ensure collections strategies align with broader business goals
• Collaborate with finance on accurate loan loss forecasting, provisioning, and write-off accounting
• Participate in credit policy and product strategy discussions, ensuring collections insights shape future decisions frameworks

What Makes You a Great Fit:

• Bachelor’s degree in Finance, Economics, Business Administration, Engineering, or a related field
• 10 - 14 years of experience in collections, credit risk, or special assets within commercial or SME lending, with at least 5 years in a leadership role
• Require to work in the US shifts 
• Demonstrated success managing distressed portfolios and recovery strategies in the U.S. financial services landscape
• In-depth knowledge of U.S. collections laws and borrower protections, especially in SMB/SME context
• Proven experience managing internal teams and external partners in a high-growth or fast-paced environment
• Experience working in a fintech or digital lender with exposure to tech-driven collections platforms
• Familiarity with international collections practices or cross-border SME portfolios is a plus
• Strategic thinking and data-driven decision-making
• Strong leadership, coaching, and performance management skills
• Deep understanding of collections operations, systems, and analytics
• Excellent negotiation, communication, and conflict-resolution abilities
• High integrity, sound judgment, and regulatory awareness
• Collaborative mindset with executive presence and stakeholder influence

Why Join Us?

• Be part of a rapidly growing fintech company revolutionizing trade finance and empowering global SMEs
• Lead a high-impact team with the opportunity to shape the future of collections and risk servicing
• Competitive compensation, benefits, and a collaborative work environment
• Drive innovation in the collections function, contributing directly to the company's growth and success