OneAZ Credit Union · 10 hours ago
Director of Collections & Recovery
Phoenix, AZ, US
Full-time
Onsite
Senior Level, Lead/Staff
8+ years expOneAZ Credit Union is dedicated to creating lasting change in the lives of its members and communities. The Director of Collections & Recovery is responsible for leading the Collections and Recovery teams, overseeing collection activities, ensuring regulatory compliance, and driving operational efficiency.
BankingFinancial Services
Responsibilities
Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsible for interviewing, hiring, and training associates; planning, assigning, and directing work; managing performance; rewarding and coaching associates; addressing complaints and resolving problems
Maintains expert-level knowledge of regulatory and compliance requirements, including Regulation Z mortgage loss mitigation rules, NCUA requirements, CECL guidelines, CDIA credit reporting standards, loan modification rules, FDCPA, the Military Lending Act, and the Servicemembers Civil Relief Act
Ensures all collections and recovery activities adhere to federal and state laws, internal policies, and established procedures
Serves as the control point for approval processes to ensure compliance with credit policies, loan covenants, and procedural standards
Establishes, monitors, and strives to exceed service level agreements (SLAs)
Identifies and implements operational efficiencies, collaborating with internal partners to improve processes and system workflows
Reviews work completed by collectors and specialists, providing timely feedback and guidance for continuous improvement
Works closely with Investigations, Risk Management, and other internal stakeholders to mitigate account fraud and support risk related activities
Coordinates with department leaders to communicate and administer policies, procedures, and best practices
Maintains relationships with credit unions, trade organizations, attorneys, collection counsel, and vendors to stay informed on industry trends, economic changes, legislation updates, and technology advancements
Participates in vendor management activities, including vendor performance review and oversight
Directs collection efforts on delinquent accounts, including evaluating accounts for potential claims or legal action
Ensures bankruptcy files are handled in accordance with policy and legal requirements
Manages repossessed and foreclosed collateral processes, including payment of related expenses and coordination of timely asset disposition
Collaborate with realtors and third parties to ensure REO properties are maintained and marketed appropriately
Conducts in person field calls on pre foreclosure and foreclosure properties within Arizona when appropriate
Supports internal and external audit and examination processes and ensures timely responses to audit findings
Monitors internal audit results to identify areas for improvement and additional training opportunities
Ensures timely handling of complaints, notices of error, and credit bureau disputes
Provides accurate and timely operational, financial, and performance reporting to management
Participates in the development, execution, and ongoing monitoring of the department’s annual operating and financial plan
Participates in presentations and reporting to the Loan Review Committee and other committees as assigned
Qualification
Required
H.S. Diploma Required
8-10 years similar or related experience in collections required
8-10 years similar or related experience of leadership experience, including managing teams and overseeing operational performance
Strong knowledge of collection and recovery functions and guidelines
Strong written, verbal, and presentation communication, multi-tasking, attention-to-detail, prioritization, project management, and leadership skills
Strong critical thinking, innovation, analytical, and problem-solving skills
Preferred
Bachelors Degree preferred
Knowledge and previous experience with DNA Fiserv, temenos, Meridian Link, and office suite software (e.g., Microsoft Outlook, Excel, PowerPoint, Word) preferred
A passion for people, innovation, and growth
Benefits
Generous paid time off: paid holidays, floating holidays, personal days, vacation days, plus sick time
Low-cost Medical, Dental & Vision plans
Paid childcare assistance
Award-winning 401K
Gym fee reimbursement
Tuition Reimbursement
Student loan repayment
...and much more. Explore all the details in our comprehensive Benefits Booklet
Company
OneAZ Credit Union
OneAZ Credit Union offers financial services & competitive rates with a community focus in Phoenix, Flagstaff, Prescott, Tucson and beyond.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$65M2025-11-14Debt Financing· $65M
Leadership Team
Brandon Michaels
President & CEO
Sandeep Uthra
Executive Vice President & Chief Technology Officer
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