Delinquency & Recovery Manager

Campbell, CA March 7, 2026 Full Time

Job Description

We are looking for a Delinquency & Recovery Manager to lead the strategy and execution for delinquent account collections and post-default recoveries. You will manage a team of collections associates and a panel of local foreclosure attorneys, driving performance on roll rates, charge-off saves, and recoveries. This role requires a results-oriented leader who ensures collection effectiveness, regulatory compliance, and efficient execution of foreclosure and liquidation processes.

Responsibilities

Direct and coach collections associates to maximize borrower contact, repayment plans, and settlement outcomes.
Manage relationships with external foreclosure attorneys, ensuring timely, compliant, and effective collections or recovery actions on charged-off loans.
Monitor portfolio performance, set recovery targets, and implement strategies to improve liquidation timelines and net recoveries.
Ensure strict adherence to consumer protection, debt collection, and foreclosure laws, including federal, state, and investor/agency requirements.
Collaborate with Risk, Compliance, and Servicing partners to strengthen controls, mitigate litigation/reputational risk, and refine collections strategy.
Build transparent reporting and insights to senior leadership on DQ metrics, trends, and operational needs.
Optimize workflows, vendor oversight, and technology tools to improve efficiency and borrower outcomes.

Qualification

7+ years’ experience in mortgage servicing, collections, or recoveries, with at least 3 years in a unit manager role.
Strong knowledge of foreclosure processes, debt collection regulations, and HELOC servicing
Proven success managing offshore teams and external vendors/attorneys.
Analytical and process-driven, with the ability to translate portfolio insights into action.
Excellent communication, negotiation, and stakeholder management skills.