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We’re hiring a Recovery Manager to build and scale a modern data-driven Recovery function. This is not a traditional collections role. This is a high-impact role that sits at the intersection of credit, recovery, legal and product execution. We are looking for a strategic leader who can design recovery systems, build AI-enabled workflows, define performance guardrails and deploy humans only where it adds incremental value. You will own the end-to-end recovery strategy from early-stage delinquency through charge-off optimization across a global portfolio. This is a highly cross-functional role and you will be partnering closely with Underwriting, Risk, R&D & Legal to design a recovery engine that aligns with Shopify’s mission to make commerce better for everyone.
Job Responsibility:
Own the end-to-end recovery strategy across all delinquency stages
Design automation-first workflows, leveraging decision engines, AI, and segmentation to route humans only where they add incremental value
Build and track performance metrics, including roll rates, cure rates, recovery ROI, and vintage-level recovery performance & use findings to provide feedback loop to underwriting
Develop dynamic treatment strategies using merchant behavior, risk signals, and exposure to create differentiated recovery paths
Lead and scale a high-performing team, setting clear KPIs, coaching for analytical rigour, and driving a culture of accountability and ownership
Partner cross-functionally with Underwriting, Risk, Legal and R&D to align recovery strategy with risk appetite, tooling, and regulatory requirements
Requirements:
8+ years of experience in recovery strategy within fintech, digital lending, unsecured lending, or merchant finance
Strong analytical capability with deep familiarity in recovery metrics (roll rates, cure rates, NPV of recoveries, loss curves)
Proven experience building and optimizing automated recovery workflows in high-volume lending environments
Strong technical fluency, comfortable working with data, using AI, and translating business strategy into system logic
Demonstrated experience setting KPIs, managing performance, and motivating operational teams
Ability to balance financial outcomes with merchant experience and brand protection
Nice to have:
Experience in revenue-based lending, merchant cash advances, or daily repayment loan structures
Direct experience implementing AI/ML models for cure prediction, prioritization, or next-best-action strategies
Experience building a recovery function from scratch in a scaling fintech
Global recovery experience across multiple regulatory environments