Operations Principal Associate, Collections & Recoveries

Mission Lane is combining the power of data, technology, and exceptional service to pave a clear way forward for millions of people on the path to financial success. By attracting top talent and leveraging cutting-edge technology, we’re enabling people to unlock real financial progress. Sound like a mission you can get behind? We're looking for a collections outsourcing operator who enjoys the challenge of building from scratch to join us as Operations Principal Associate, Collections & Recoveries. Mission Lane is making a serious investment in expanding its collections capabilities, and one of the most consequential pieces of that is building an Agency Outsourcing program where none exists today. This role is how that gets done. You'll report to the Operations Senior Manager, Collections & Recoveries, work remotely with required travel, and partner directly with engineering, data, legal, and compliance to design and build the infrastructure that moves accounts into an external agency network. The impact you'll make: In your first year, the measure of success is ownership. You'll take control of a complex, multi-stakeholder initiative, become Mission Lane's primary operational point of contact with our first vendor partner, and build the foundational infrastructure this program will run on. That means SFTP file transfer pipelines, automated account placement logic, a vendor scorecard framework, QA and call-monitoring protocols, and the exception playbooks that make transitioning accounts from internal operations to external agencies seamless. You'll thrive in this role i f: You've built outsourced collections infrastructure before and can speak in specific terms about what you designed, what changed, and what the results looked like. Figuring out what's needed is part of the job for you, not an obstacle to it. You're equally comfortable in a technical conversation about file transfer pipelines and a compliance review about regulatory guardrails; you know which meeting to call and when. Minimum Qualifications: 5+ years of progressive experience in the collections industry, with a demonstrated track record of designing and building high-performing collections solutions and delivering measurable business results 5+ years of experience designing processes and infrastructure for outsourcing work 5+ years of experience managing relationships and delivering performance in an outsourced collections channel Proven ability to develop and execute structured operational plans with defined milestones and accountability frameworks. Demonstrated experience working with cross-functional teams (engineering, data, legal, compliance) and driving shared outcomes across them Demonstrated ability to drive performance improvements in complex, fast-moving environments Strong professional presence and communication skills; able to function as an operational bridge between senior leadership and front-line agency management High resilience under pressure; a results-driven orientation with the ability to navigate ambiguity and maintain standards in a fast-paced environment Ability to travel for onsite agency reviews and company meetings within the US as required Compensation Annual full-time starting base salary range: $78,000 - $95,000 This role is eligible for additional compensation in the forms of participation in our annual incentive and equity programs. Pay is based on factors such as work experience, education, certification(s), training, skills, and competencies related to the role. Mission Lane also offers a comprehensive benefits plan, which includes paid time off, 401(k) match, a monthly wellness stipend, health/ dental/ vision insurance options, disability coverage, paid parental leave, flexible spending account (for childcare and healthcare), life insurance, and a remote-first work environment. About Mission Lane: Founded in December 2018, Mission Lane is a purpose-driven fintech company based in the U.S., with headquarters in Richmond, Virginia. It all started with a realization: nearly fifty percent of the adult population in the U.S. doesn’t have access to a clear line of credit. Most traditional credit card companies either overlook or overcharge this group because they have less-than-perfect credit scores or no scores at all. We decided this just wouldn’t do. In partnership with our sponsor banks, we offer credit cards under the Mission Lane brand name, with better, clearer terms, and a more refined customer experience than the alternatives available to people working hard to improve their credit. To date, over four million consumers have chosen Mission Lane, earning high customer ratings on Credit Karma for its market segment and industry leading Net Promoter scores. Mission Lane has cumulatively raised over $600 million of equity from leading investors, including Invus Opportunities, QED Investors, LL Funds, funds affiliated with Oaktree Capital Management, and other leading investors. Our commitment to a workplace built on respect and dignity is guided by our core value of Unity. We believe that everyone plays a vital role in our shared purpose, and we actively cultivate an environment where all individuals have the opportunity to do their best work. By fostering a culture of empathy and collaboration, we create a strong sense of belonging and support for every team member. Mission Lane is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, or gender identity), national origin, age, disability, genetic information, or any other protected status. Mission Lane provides reasonable accommodations to applicants who need them for medical or religious reasons, as required by law. Applicants can initiate an accommodation request by contacting [email protected] . Mission Lane is not sponsoring new applicant employment authorization and please, no third-party recruiters. Application Integrity: Our cardholders trust us with their financial well-being, and this trust starts with the integrity of the people on our team. We're looking for team members who share our dedication to transparency and truth. Please verify that the information in your application is accurate and complete. Providing any information to Mission Lane that is not completely truthful at any point during the application or hiring process may result in removal from the hiring process, disqualification from future opportunities, withdrawal of an offer or other sanctions for candidates and, in addition for employees, disciplinary action, up to and including termination of employment.