Jason Collins

About Jason Collins

Co-founded and scaled a technology-enabled debt buying company from inception to over $100MM in annual revenue. Built and led a best-in-class operations team across servicing, vendor management, legal recoveries, and compliance. Established a strong compliance-first culture while delivering industry-leading cost-to-collect performance and consistent portfolio returns. Implemented data-driven strategies, operational infrastructure, and scalable processes to support rapid growth and long-term profitability.Prior to co-founding Spring Oaks Capital, Jason held senior executive leadership roles at Bank of America, where he oversaw first-party, third-party, and legal recovery channels. He managed a national network of agencies and law firms, drove performance optimization initiatives, and implemented vendor governance frameworks that improved recoveries while strengthening regulatory compliance and operational efficiency.

Experience

1. Co-founder and Chief Operating Officer

   Spring Oaks Capital, Llc

   Sep 2019 — Present · Chesapeake, VA, US

   Co-founded and built a specialty financial services firm focused on acquiring and recovering distressed consumer debt portfolios, scaling the company from inception to $100MM+ in annual revenue. Provide executive leadership across all operational functions, including collections, legal recovery, compliance, vendor management, analytics, and portfolio strategy. Partner with executive leadership to define corporate strategy, drive operational execution, and maximize portfolio profitability.Key Executive Contributions:Scaled the organization from day one startup to $100MM+ annual revenue, building all operational infrastructure, recovery channels, and performance management frameworks from the ground up.Designed and implemented enterprise recovery strategies across internal call center operations, legal recovery, and third-party vendor networks, significantly increasing liquidation performance and portfolio returns.Built and led high-performing teams across operations, compliance, legal recovery, and vendor management, creating a scalable operating model capable of supporting rapid growth.Partnered with Portfolio Acquisition and Finance teams to evaluate purchasing strategies, optimize liquidation curves, and maximize portfolio returns.Implemented data-driven performance management, analytics, and reporting frameworks that improved operational transparency, efficiency, and executive decision-making.Introduced technology platforms, automation, and workflow optimization that improved collector productivity, reduced cost-to-collect, and enhanced customer engagement.Built and managed strategic partnerships with law firms, collection agencies, and technology providers to support nationwide recovery operations.

Education

• Tidewater Community College

  Business Administration and Management, General

Skills

• Credit Cards
• Staff Development
• Financial Services
• Outsourcing Management
• Vendor Management Experience
• A/R Collections
• Banking
• Risk Management
• Vendor Management
• Offshore Outsourcing
• Vendor Relationships
• Operational Risk
• Third Party Vendors
• Customer Service
• Vendor Contracts
• Legal Process Outsourcing
• Third Party Collections
• Enterprise Risk Management
• Collections
• Management
• Team Building
• Credit
• Legal Collections
• Leadership Development
• Process Improvement
• Leadership
• Credit Risk
• Business Process Improvement
• Portfolio Management
• Loans
• Call Centers
• Risk Assessment
• Relationship Management
• Outsourcing
• Inventory Management
• Third Party Vendor Management