Collections Lead, Cardless
Strategy & Operations
$140-185k
+ Equity
Co-branded credit card creation platform
Job no longer available
Co-branded credit card creation platform
21-100 employees
Job no longer available
$140-185k
+ Equity
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- 6+ years progressive leadership in consumer credit collections, with demonstrable success optimizing recovery metrics while maintaining customer relationships
- Proven track record building collections operations from conceptual design to scaled implementation
- Exceptional analytical capabilities, including proficiency with advanced data visualization tools and statistical analysis
- Demonstrated expertise managing external agency partnerships, including contract negotiation and performance optimization
- In-depth understanding of regulatory frameworks governing collections activities, particularly in consumer financial services
- Experience implementing technology solutions that enhance collections efficiency and effectiveness
- Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day
What the job involves
- We're looking for someone to lead our collections efforts as we scale our consumer credit card programs
- Develop and Implement Collections Strategies
- Design end-to-end collections frameworks that leverage behavioral insights and advanced analytics
- Orchestrate the evolution from reactive collections to proactive customer engagement models
- Develop sophisticated segmentation methodologies that align intervention strategies with customer journey touchpoints
- Build and Scale In-House Collections Capabilities
- Build our in-house collections infrastructure from foundation to scale, including talent acquisition, technology implementation, and process optimization
- Establish comprehensive performance management frameworks for third-party agency relationships
- Create seamless integration between internal and external collections capabilities
- Leverage Technology and Analytics
- Implement predictive modeling to identify pre-delinquency signals and optimize intervention timing
- Deploy machine learning solutions that personalize outreach strategies based on customer communication preferences
- Design real-time performance dashboards that enable agile strategy refinement
- Optimize Collection Rates
- Develop omnichannel engagement strategies that transform collections interactions into relationship-building opportunities
- Create narrative frameworks that encourage collaborative problem-solving rather than confrontational collections approaches
- Design friction-reducing payment pathways that maximize both recovery rates and customer retention
- Ensure Regulatory Compliance
- Architect robust compliance monitoring systems that ensure adherence to evolving regulatory requirements including:
- Fair Debt Collection Practices Act (FDCPA) communication and disclosure protocols
- Consumer Financial Protection Bureau (CFPB) Regulation F timing and contact frequency limitations
- Telephone Consumer Protection Act (TCPA) consent management for automated communications
- Fair Credit Reporting Act (FCRA) reporting accuracy standards
- Regulation V dispute resolution timelines and documentation requirements
- Develop training programs that embed compliance consciousness throughout collections operations
- Create documentation frameworks that demonstrate regulatory diligence
Our take
Cardless is a financial technology company attempting to modernize co-branded credit card programs. There are around 200 brands in the U.S. with traditional cards that haven't been modernized in over 20 years. These traditional cards, from the likes of Costco and Sam's, enable shoppers to collect reward points that they can use for things like travel.
Cardless is helping popular consumer brands (for example, NBA’s Cleveland Cavaliers) launch credit cards so they can engage with their fans and reward them with bespoke benefits. For example, a virtual conversation with a player.
Cardless’ co-founders are no strangers to the financial industry. Michael Spelfogel spent time at Visa and Scott Kazmierowicz worked in banking for Goldman Sachs. Through their experiences they spotted a gap in the market for simple, credit card loyalty programs that focus on customer experiences.
The global credit card market is valued at over $100 billion. It's certainly big enough for consumer brands to enter, however, with Cardless acting as a middle-man, there's always a risk that it could get frozen out by the big banks.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-30% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Sep 2025
$60m
SERIES C
Nov 2024
$30m
GROWTH EQUITY VC
Total funding: $140m
Company benefits
- 💸 Competitive salaries, equity, and a 401(k) plan
- 🏥 Top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical
- 🌴 Unlimited paid time off, with a minimum of 15 days off per year
- 👶 Parental leave for birthing and non-birthing parents
- ✈️ Team trips & offsites
- For in-office employees:
- 🍱 Catered lunch at the office every day, plus plenty of snacks & drinks
- 🚎 $250/month commuter assistance for public transit or our parking garage
- For remote employees:
- 🖥️ $500 remote setup stipend to help you do your best work
Company HQ
SoMa, San Francisco, CA
Leadership
Scott Kazmierowicz
(CEO)Former Investment Banker at Allen & Company and Bank of America. Former Software Engineer at Goldman Sachs. BS in Computer Science at Stanford University.
Michael Spelfogel
(President)Former Data Scientist at Lyft and Rent the Runaway. Formerly in Commercial Card Management at Visa. BASc in Management Science and Engineering at Berkley.
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