Axos Bank

Axos Bank

Target Range:

$75,000.00/Yr. - $85,000.00/Yr.

Actual starting pay will vary based on factors including, but not limited to, geographic location, experience, skills, specialty, and education.

Eligible for an Annual Discretionary Cash Bonus Target: 10%

Eligible for an Annual Discretionary Restricted Stock Units Bonus Target: 10%

These discretionary target bonuses may be awarded semi-annually based upon your achievement of performance goals and targets.

About This Job

Axos is seeking a Consumer Collections Supervisor who will oversee a team of collections specialists working on auto, unsecured loan portfolios, as well as oversee third-party vendors handling collection activities

Requirements

• Expertise in repossession processes, including assignment, agent oversight, recovery timelines, and compliance documentation
• Experience with remarketing strategies, auction management, deficiency balance calculations, and fair debt practices
• Knowledge of bankruptcy handling, including Chapter 7 & 13 processes, proof of claims, stay compliance, and reaffirmation agreements
• Familiarity with total loss claims, insurance settlements, GAP claims, and deficiency balance recovery
• Understanding of marine lending nuances (title perfection, repossession logistics, remarketing)
• Solid background in auto loan and unsecured loan collections, charge-off management, and deficiency collections
• Proficiency with collection systems (Five9, Salesforce, or similar), repossession/remarketing vendor portals, and skip-tracing tools

Qualifications

• 5+ years of collections experience, with at least 2 years in a supervisory or leadership role
• Direct experience in backend collections processes including repossession, remarketing, bankruptcy, total loss, marine lending, auto loans, and unsecured lending
• Strong knowledge of state and federal collections regulations (FDCPA, OCC, SCRA, TCPA, Reg F, bankruptcy law)
• Ability to lead, coach, and mentor a team of collectors and specialists
• Monitor performance metrics (delinquency, recovery rates, compliance adherence) and hold team accountable to goals
• Provide training on backend collections procedures, compliance requirements, and customer resolution strategies
• Partner with Compliance, Risk, and Legal teams to ensure adherence to policies and regulations
• Strong data analysis skills: ability to create and present reports on recovery performance, repossession timelines, and remarketing results
• Experience identifying process gaps, creating new procedures, and improving efficiency in backend operations
• Ability to evaluate vendor performance (repossession agents, auctions, attorneys, skip vendors) and take corrective action as needed
• Strong decision-making and problem-solving skills under tight deadlines
• Excellent communication (verbal and written) and negotiation skills
• High level of integrity, professionalism, and customer empathy while protecting the organization’s interests
• Adaptability to evolving regulations, technologies, and business needs

Axos Employee Benefits May Include:

• Medical, Dental, Vision, and Life Insurance
• Paid Sick Leave, 3 weeks’ Vacation, and Holidays (about 11 a year)
• HSA or FSA account and other voluntary benefits
• 401(k) Retirement Saving Plan with Employer Match Program and 529 Savings Plan
• Employee Mortgage Loan Program and free access to an Axos Bank Account with Self-Directed Trading

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We’re a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.

Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

Learn more about working at Axos

Pre-Employment Background Check and Drug Test:

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment drug screening, which includes screening for marijuana. Axos Bank is a federally regulated banking institution. At the federal level, marijuana is an illegal schedule 1 drug; therefore, we will not employ any person who tests positive for marijuana, regardless of state legalization.

Equal Employment Opportunity:

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.