EMPOWER OVERVIEW
Empower is shaking up an outdated financial system by providing real opportunity for our customers: the opportunity to get the cash they need, to access fair credit, and to change their financial story. Today, we’re helping millions of people find financial security through machine learning models that evaluate creditworthiness using a more inclusive lens and mobile-first products: Cash Advance, Thrive line of credit, and Petal credit cards. Tomorrow? Creating even more financial paths for our customers (and their wallets) to succeed.
This year, Empower ranked #65 on Inc. 5000’s Fastest-Growing Private Companies list — our third year in a row cracking the top 100 — and was named by Forbes as one of the 25 Next Billion-Dollar Startups for 2024. Empower was also featured by Forbes on America’s Best Startup Employers list in 2023, and our Thrive line of credit product was named by Fast Company as one of 2022’s Next Big Things in Tech.
Empower is backed by Sequoia Capital, Blisce, and Icon Ventures. Ready to grow your impact and accelerate your career? Take a look at our open roles — we can’t wait to meet you.
THE EMPOWER WAY
Great Expectations: We come up with bold, audacious goals for ourselves and go all out for impact
Owner Mindset: We give every employee latitude to act independently, make smart choices, and move the business forward
Spirited Debate: We love skeptics and seek counter opinions to challenge our personal assumptions and expand our view
Customer Obsession: We listen to understand, empathize, and create a memorable, rewarding experience for our community
Inclusive Collaboration: We believe diverse teams make the best decisions, and we strive to give diverse voices a seat at the table
No Jerks Allowed: We value our relationships and take the time to build trust and connection and communicate respectfully
WHAT EMPOWER OFFERS
Competitive salary
Generous equity package
Full healthcare benefits
Technology expense reimbursement
Virtual first environment
JOB DESCRIPTION
Cashalo, an Empower company and leading fintech in the Philippines, is seeking a Director of Collections Strategy & Analytics to build a world-class collections function. This is a rare opportunity to take full ownership of collections strategy, risk segmentation, outreach channels, and analytics in a fast-growing, high- impact environment. If you’re looking for a foundational role where you can have massive impact scaling operations that expand financial inclusion, and a wide scope within a high performing team, this is the role for you.
The ideal candidate is a strategic thinker with deep expertise in collections, risk, and analytics. They will have the opportunity to shape the vision, design best-in-class collections strategies, and eventually lead a high-performing team. This individual should be excited about getting in the weeds and hands-on leading analyses. They will drive experimentation, optimize collections performance, and implement data-driven decision-making across all aspects of the function.
This is a remote role with a preference for individuals in an Asia Pacific time zone (GMT +5-11). Occasional travel will be required for company onsites and market visits (minimum 4-6 times per year).
RESPONSIBILITIES
Test and iterate rapidly on different collections strategies, testing new outreach techniques, incentives, and risk-based approaches.
Design and implement predictive collections scoring and automation, leveraging segmentation, data analytics, machine learning, and vendors to optimize recovery rates.
Develop and scale collections outreach models—across digital, automated, and agent-led channels—to maximize efficiency and performance.
Build and lead a high-performing collections strategy and analytics team, ensuring best-in-class execution and continuous improvement.
Work cross-functionally with Credit, Data Science, Product, Growth, and Operations teams to refine collections strategy, enhance underwriting insights, and drive innovation.
Own key collections KPIs, including delinquency rates, recovery efficiency, and overall portfolio performance, ensuring financial targets are met.
Ensure compliance with all relevant regulatory requirements in the Philippines and future Southeast Asian markets.
QUALIFICATIONS
8+ years of experience in collections strategy, risk analytics, and credit risk management in financial services, preferably in consumer lending fintech.
Proven expertise in data-driven collections strategies, risk segmentation, and model-driven outreach optimization. Deep familiarity with AI-driven collections scoring, automation, and optimization techniques is highly preferred.
Strong technical skills—proficiency in SQL, Python, and analytics platforms.
Happy to be hands-on and in the weeds driving analysis themselves.
Experience leading cross-functional teams and managing complex initiatives in high-growth, fast-scaling environments.
Strategic thinker with a strong execution mindset—able to translate high-level business objectives into clear, data-backed action plans.
Excellent verbal and written communication skills, ability to communicate to an executive audience.
Experience working with regulatory frameworks and compliance requirements in lending/collections is a plus.
Located in an Asia-Pacific time zone to facilitate collaboration across regions.
At Empower, we hire for people that push themselves to understand others and seek out ways to challenge their personal assumptions. Our hope is that by fostering such an environment, we strengthen our business and relationships by putting people first. We are committed to building a diverse, inclusive, and equitable workspace where everyone (regardless of age, education, ethnicity, gender, sexual orientation, or any personal characteristics) feels like they belong. Even if your experience doesn’t exactly match up to our job description, you should feel empowered to apply regardless!