Collection Manager – Consumer Credit

This role needs someone strategic, highly analytical, and innovative to lead and modernise our consumer credit collections operations.

• Deep experience in Consumer Credit & Collections - You have 7+ years of experience in collections within consumer lending (e.g., BNPL, unsecured/secured credit).

• Fintech, Banking, or Finance Background - Previous experience in a Fintech environment, modern Banking, or Financial Services.

• Knowledge of SEPA Framework - Familiarity with SEPA payment schemes and regulations is considered a strong plus.

• Strong Data & Analytical Mindset - Highly analytical and comfortable working with large datasets and segmentation models to drive decisions.

• AI & Innovation Orientation - Experience with AI applications in collections, such as predictive scoring or automated decisioning.

• Strategic Thinking & Execution - Ability to design sophisticated strategies while ensuring flawless operational execution.

• Customer-Centric Approach - Understanding how to influence customer behaviour through tailored communication and channel optimisation.

Don't worry if you don't tick every box. We believe in the power of different viewpoints and strengths. Your unique perspective is important as we build something special: if you're passionate and can make a difference, we truly encourage you to apply.

As our Collection Manager - Consumer Credit, you'll own our end-to-end collection strategy across consumer lending products, with a strong focus on data, segmentation, and AI-driven decisioning.

Here's what that looks like in practice:

• Design and execute data-driven collection strategies - Leveraging advanced analytics and predictive models to design collection strategies tailored to different risk profiles and product types.

• Develop AI-powered collection approaches - Driving the adoption of AI to enhance next-best-action logic, predictive contact strategies, and intelligent prioritisation of accounts.

• Personalise customer engagement & tone of voice - Defining and implementing differentiated communication strategies, adapting tone, channel, and timing based on customer behaviour.

• Optimise performance and ROI - Owning key collection KPIs (recovery rates, roll rates, cost-to-collect), ensuring all initiatives are measurable and ROI-positive.

• Guarantee service levels and compliance - Ensuring all collection activities meet defined SLAs and regulatory requirements, balancing effectiveness with fairness.

• Manage stakeholders and ecosystem - Collaborating closely with Finance, Product, Data, and Legal teams, while managing external partners like collection agencies.

*We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.