Scott Vick

About Scott Vick

I lead enterprise collections and recovery platforms across both large national banks and high-growth fintech environments, with 27+ years spanning first-party collections, post-charge-off recovery, debt sales, legal, bankruptcy, estate recovery, and vendor ecosystems.My career began on the frontline as a collector and progressed through every stage of the delinquency lifecycle into senior leadership roles. That foundation shapes how I design operating models today — grounded in execution reality, disciplined governance, and performance accountability. At Bank of America, I built and governed a national first-party collections vendor platform representing roughly 30% of total collections capacity across multi-site agency networks. At Upstart, I own enterprise recovery operations across debt sales, agency collections, legal, estate recovery, DSC, and bankruptcy channels, focused on scaling monetized recovery while strengthening compliance posture and platform infrastructure. Across both bank and fintech environments, my focus remains consistent: building scalable, well-governed operating platforms that align performance, risk management, and long-term enterprise value.

Experience

1. Director of Recovery

   Upstart

   May 2024 — Present · Kent, OH, US

   Own enterprise recovery operations and strategy across debt sales, agency collections, legal, estate recovery, DSC and bankruptcy channels within a high-growth fintech lending platform. Responsible for designing and scaling a multi-channel post-charge-off recovery ecosystem aligned to performance, compliance, and long-term enterprise value.Lead cross-functional partnerships across Legal, Compliance, Risk, Product, Engineering, and Data Analytics to build disciplined operating frameworks, vendor governance structures, and scalable monetization strategies. Recent focus has included recovery platform and market expansion, debt sales forward-flow pricing optimization, vendor contract restructuring, and operational infrastructure enhancements to support sustainable growth.Oversee performance, regulatory readiness, and ecosystem optimization across agency, legal, estate recovery, DSC, bankruptcy, and debt sale channels.

Education

• John Carroll University

  Bachelor of Business Administration (BBA), Finance, General

  1995 — 1999

Skills

• Executive Management
• Operations Management
• Cross Selling
• Financial Services
• Negotiation
• Customer Retention
• Payments
• Relationship Management
• Credit
• Call Centers
• Loan Origination
• Leadership
• Sales Management
• Lines of Credit
• Consumer Lending
• Credit Analysis
• Vendor Management
• Sales
• Financial Analysis
• Mortgage Servicing
• Change Management
• Credit Cards
• Financial Risk
• Management
• Mortgage Lending
• Strategic Planning
• Small Business Lending
• Process Improvement
• Banking
• Risk Management
• Mortgage Banking
• Portfolio Management
• Loans
• Commercial Lending
• Underwriting
• Finance
• Retail Banking
• Loss Mitigation
• Commercial Banking
• Mergers & Acquisitions