About Rippling

Rippling gives businesses one place to run HR, IT, and Finance. It brings together all of the workforce systems that are normally scattered across a company, like payroll, expenses, benefits, and computers. For the first time ever, you can manage and automate every part of the employee lifecycle in a single system.

Take onboarding, for example. With Rippling, you can hire a new employee anywhere in the world and set up their payroll, corporate card, computer, benefits, and even third-party apps like Slack and Microsoft 365—all within 90 seconds.

Based in San Francisco, CA, Rippling has raised $1.4B+ from the world’s top investors—including Kleiner Perkins, Founders Fund, Sequoia, Greenoaks, and Bedrock—and was named one of America's best startup employers by Forbes.

We prioritize candidate safety. Please be aware that all official communication will only be sent from @Rippling.com addresses.

About the Role:

Head of Servicing and Collections

Rippling is a global fintech operating across software, payments, and lending, moving tens of billions of dollars across payroll, cards, and payment products. As our product surface area and geographic footprint expand, the complexity of servicing accounts and recovering unpaid obligations increases materially.

The Head of Servicing & Collections will define and execute Rippling’s global strategy for account servicing and collections across our full product suite, including corporate cards, payroll, lending, and subscription billing. This leader will be responsible for optimizing collections and recoveries in a way that directly impacts Rippling’s financial performance, while ensuring a strong customer experience and adherence to regulatory requirements across geographies.

This role owns strategy, policy, and operations for servicing and collections and works closely with Product, Engineering, Finance, Risk, and Legal to ensure servicing and recovery capabilities are embedded into Rippling’s products and operating model. While highly cross-functional, the Head of Servicing & Collections is expected to operate with a strong ownership mentality and be accountable for outcomes across products.

What You’ll Do:

• Design and implement collections strategies across payments, lending, and software products, spanning multiple geographies and regulatory regimes.
• Own policy development and execution, including treatment strategies, escalation paths, legal actions, hardship or remediation programs, and third-party vendor management where applicable.
• Design and enforce standard operating procedures and SLAs, overseeing day-to-day collections and servicing operations to ensure consistent execution and adherence to policy.
• Establish clear metrics and accountability, including recovery rates, loss curves, and operational efficiency benchmarks. Maintain a strong operational control environment to ensure compliance and optimize recoveries.
• Partner closely with Finance and Accounting on forecasting, provisioning, recoveries, and performance reporting.
• Collaborate with Risk and Legal to align on loss appetite, regulatory requirements, and contractual enforcement mechanisms.

What you will need:

• 10+ years of experience developing and executing collections strategies across lending, payments, and subscription-based products.
• A proven track record of building policies and operating models that optimize financial outcomes.
• Experience operating in regulated environments and navigating regulatory and contractual constraints across multiple geographies.
• A strong ownership mentality – you personally care about driving financial results and take responsibility for recovering funds and minimizing losses.
• Independence and self-direction – you have high attention to details, can identify core issues, prioritize effectively, and drive immediate results while building toward a durable, long-term strategy.
• Strong strategic instincts paired with a willingness to go deep into operational and implementation details when required.
• Proficiency with data analysis and strong analytical skills, with the ability to translate data into actionable insights. Experience using SQL to extract and analyze data is desirable but not required.

Additional Information

Rippling is an equal opportunity employer. We are committed to building a diverse and inclusive workforce and do not discriminate based on race, religion, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression, age, sexual orientation, veteran or military status, or any other legally protected characteristics, Rippling is committed to providing reasonable accommodations for candidates with disabilities who need assistance during the hiring process. To request a reasonable accommodation, please email accommodations@rippling.com

Rippling highly values having employees working in-office to foster a collaborative work environment and company culture. For office-based employees (employees who live within a defined radius of a Rippling office), Rippling considers working in the office, at least three days a week under current policy, to be an essential function of the employee's role.

This role will receive a competitive salary + benefits + equity. The salary for US-based employees will be aligned with one of the ranges below based on location; see which tier applies to your location here.

A variety of factors are considered when determining someone’s compensation–including a candidate’s professional background, experience, and location. Final offer amounts may vary from the amounts listed below.

The pay range for this role is:
132,000 - 231,000 USD per year(US Tier 1)
118,800 - 207,900 USD per year(US Tier 2)
112,200 - 196,350 USD per year(US Tier 3)