Head - Risk Servicing & Collections – U.S

About Drip Capital

We are a US-based fintech company revolutionizing global trade for SMEs. At Drip Capital, we're redefining the future of trade finance and facilitation, empowering small and medium-sized enterprises (SMEs) to scale internationally with ease.

With the global SME trade market exceeding $5 trillion, our mission is to provide businesses in emerging markets with seamless access to capital-eliminating red tape and outdated processes. By leveraging cutting-edge technology, we make trade finance fast, efficient, and hassle-free. Beyond financing, we simplify trade and sourcing, helping SMEs navigate global markets effortlessly.

Headquartered in Palo Alto, California, with offices in India, Drip Capital is strategically positioned to meet the evolving needs of SMEs in emerging markets.

Backed by top investors-including Accel, Peak XV, Wing VC, Sequoia India, Y Combinator, GMO, SMBC Japan, Barclays, and IFC-Drip has facilitated over $7 billion in trade across 10,000+ buyers and sellers. As we continue to grow, we remain committed to transforming global trade for SMEs worldwide.

Role Overview :

We are looking for a seasoned and strategic leader to join our team as the Head of Risk Servicing & Collections - U.S. , responsible for leading the life-cycleof collections strategy, operations, and risk servicing for our U.S.-based SME lending portfolio. This role sits at the intersection of credit risk, operational excellence, customer experience, and regulatory compliance.

You will be accountable for designing and executing strategies that optimize recoveries, reduce delinquencies and charge-offs, and support the long-term health of our loan book. You'll lead a cross-functional team of internal and external stakeholders, work directly with distressed borrowers, and be instrumental in building scalable systems, processes, and policies for risk servicing.

This is a hands-on leadership role requiring deep domain expertise in commercial lending collections (especially SMB or SME segments), a data-driven mindset, and a strong understanding of the regulatory landscape in the U.S.

What You'll Be Doing :

1. Collections s trategy & l eadership

• Develop and own the U.S. collections road-mapaligned with broader credit and portfolio risk objectives
• Build and manage scalable, segmented strategies for early-stage delinquency, mid-stage recovery, and late-stage collections
• Design and deploy frameworks for prioritizing accounts, segmenting by risk and potential recovery, and automating workflows
• Drive continuous improvement across collections processes, technologies, and operating models

2. Team l eadership & o rganizational d evelopment

3. Risk s ervicing & b orrower e ngagement

4. Data, r eporting & p ortfolio a nalytics

5. Compliance, g overnance & r isk c ontrols

6. Systems, t ools & a utomation

7. Cross-Functional & Executive Collaboration

What Makes You a Great Fit :

Why Join Us

Skills Required

Regulatory Compliance, Credit Risk