Manager, Collections Risk Review

Sunlight Financial is a technology-enabled, point-of-sale financing platform that empowers residential home improvement contractors and their customers. Our platform streamlines consumer finance with fast, frictionless loan approvals and funding, backed by a broad network of capital providers. We’re committed to delivering smart, secure, and scalable financial solutions that drive growth and trust across the industry. Learn more at

We’re seeking a driven collections expert to join our Operations team and help shape the future of collections. This role will be responsible for reducing credit losses and improving recovery performance on high‑risk loans through detailed account analysis, advanced collection strategies, and cross‑functional collaboration with our servicing and collections partners. Are you the type of individual that enjoys diving into account-level detail to find the hidden information automated reports simply can’t provide?

If you enjoy getting your hands dirty while maintaining the perspective on the respective asset classes, you may be a great fit for our team!

• Analyze high-risk loans to identify delinquency patterns and potential recovery challenges
• Review case comments, complaints and sample calls to identify missed engagement opportunities
• Report findings/recommendations to leadership and collections vendors
• Review collections vendor efforts related to skip tracing, asset validation, engagement scoring and time of day contact strategies
• Collaborate with our collections partner to optimize contacts and collections performance
• Connect with Sunlight Relationship Managers to obtain dealer-provided borrower contact details
• Conduct analysis on current strategies and effectiveness to define opportunities to address gas and refine the strategies/tools needed to achieve default risk objectives

• Bachelor’s degree preferred; equivalent experience in collections, recovery, or underwriting roles considered
• Experience with Salesforce and SQL/AI BI tools is a plus
• Experience managing or developing collections strategies
• Ability to develop pilot campaigns along with developing requirements for champion/challenger strategies
• Excellent verbal and written communication skills; able to convey findings/recommendations clearly and concisely
• High attention to detail and strong critical thinking skills.
• Working knowledge of regulatory and compliance guidelines (strong familiarity with FDCPA, specifically Reg F is critical)

• Be part of an exciting organization focused on being the best-in-class Home Improvement loan portfolio, a fast-paced fintech environment
• Collaborate with industry leaders and contribute to evolving loss mitigation strategies
• Become part of a growing organization where you can make an immediate impact
• Enjoy a flexible work environment with a strong culture of integrity, innovation, and engagement

For additional details surrounding Sunlight’s culture and benefits, please visit:

Sunlight provides equal employment opportunities (EEO) to all employees and applicants for employment regardless of race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Sunlight complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Sunlight expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status.