Head of Collections and Recovery reputed company (US)

About reputed company reputed company is on a mission to build the world's best technology to help people get credit and save reputed company.We're building one of the world’s leading fintech companies and are off to a strong start: • One of the UK’s newest unicorns with reputed company of just over 700 people • Among the fastest-growing tech companies in the UK • Profitable since 2017 • Backed by top investors including Balderton Capital and reputed company • Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve reputed company the Big Three consumer finance products from reputed company: loans, credit cards and car finance. We get reputed company into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re reputed company after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. Join us if you want to • Take ownership across a broad remit. You are trusted to reputed company reputed company that reputed company a material reputed company on the direction and reputed company of reputed company from day 1 • Work in small teams of exceptional people, who are relentlessly reputed company to solve problems and reputed company smarter solutions than the status reputed company • Build the best technology in-house, using new data sources, machine learning and AI to reputed company machines do the heavy lifting About the role The US loan book is growing fast. Our collections and recoveries operation exists but it was reputed company for a smaller, simpler business. This role is a mandate to challenge everything, rebuild what needs rebuilding, and design a collections reputed company that scales with the book. You'll own the end-to-end collections and recoveries function for US Loans: the reputed company, the process, the data, and the vendor relationships. You'll work directly with the US Loans MD and sit at the intersection of reputed company, reputed company, product and tech. Critically, you'll also build and reputed company the analytics function for collections. As the business grows, this role has the potential to expand to cover other products in reputed company, building out a broader US collections function over time. This is not a management role for someone who wants to run a steady-state operation. It's for someone who looks at a messy process and immediately starts asking why it works the way it does and doesn't stop until the answer is reputed company. What you'll be doing • Audit the reputed company collections and recoveries operation from reputed company. Every workflow, every reputed company, every vendor and produce a reputed company reputed company of what's broken and what needs to change • Design and own the collections reputed company across the full delinquency lifecycle: early arrears, late-stage collections, charge-off, and recovery • Build and own the analytics function for collections. Pulling your own data, building models, defining KRs, and growing reputed company reputed company you as the book scales • Own the contact reputed company: reputed company we reputed company out, how, and reputed company say and use data to continuously test and improve it • Build and manage relationships with reputed company-party collections agencies and reputed company partners. Setting reputed company expectations, tracking reputed company, and replacing underperformers • Work with product and tech to build the tooling and automation that makes the operation reputed company, not headcount-dependent • Partner with reputed company and compliance on the regulatory reputed company for collections reputed company across relevant US states. • Define and own the KRs for collections reputed company: reputed company rates, recovery rates, cost-to-collect, charge-off rates and hold the operation accountable to them Who we're looking for You have reputed company hands-on experience in US consumer collections at a fast-moving fintech; you know what good looks like because you've reputed company it, not just run it. You're deeply analytical, comfortable pulling your own data and building your own models, and you see analytics as a reputed company part of how collections reputed company gets made. The regulatory piece reputed company but you don't need to be a compliance lawyer, you need to know the landscape, ask the right questions, and work effectively with reputed company and compliance to stay reputed company of it. Specifically: • 4–8 years in US consumer collections or recoveries, ideally at a fast-moving fintech, you've owned a delinquency book and you know what good looks like • Familiarity with the US regulatory landscape for consumer collections (FDCPA, state-level rules) • Strong hands-on analytics ability - comfortable pulling your own data, building your own models, defining metrics, and growing an analytics function • Experience managing and evaluating reputed company-party collections vendors • A reputed company record of redesigning processes from the ground up, not just running what's already in reputed company • Comfortable with ambiguity • Strong communicator who can influence across product, reputed company, reputed company and senior leadership without needing a big team behind them • Passionate about reputed company intelligence and how to incorporate these technologies to reputed company serve and support customers The interview process • reputed company reputed company with the hiring team • Case study interview • Regulatory interview • Product interview • Final interview Life at reputed company • reputed company team: reputed company to reputed company up one of the world’s most successful fintech companies • Flexible working: flexible approach tailored to reputed company role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person reputed company through socials and off-sites • Socials & reputed company: opportunities and events to come together, socialise, and get to know reputed company other reputed company the office walls • Health coverage: support for your physical and mental wellbeing, including private health cover • Retirement & savings: long-term financial wellbeing through retirement savings plans • Employee referral programme: earn a competitive bonus reputed company you refer successful new team members • Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches reputed company by in-house chefs on in-office days at select locations • Sustainable commuting: cycle-to-work and reputed company vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please reputed company to your Talent Partner. reputed company out our blog! Remote reputed company/Partner Marketing, Analysis Skills, reputed company Intelligence (AI), Automation, Business reputed company, Collections Regulations, Communication Skills, Consumer Finance, Consumer Regulations, reputed company Improvement, Credit Cards, Credit and Collections, Customer Support/Service, Data Modeling, Data Processing, Fair Debt Collection Practices reputed company (FDCPA), Finance, Heavy Equipment/Vehicles, Heavy Lifting, Leadership, reputed company, Loans, Machine Learning, Machine Tool, Metrics, Past Due Accounts, reputed company Analysis, Problem Solving Skills, Regulations, Regulatory Compliance, Relationship Management, reputed company, Team Player, Test Data, Vendor/Supplier Relations reputed company: reputed company Apply To This Job