Collections Specialist

Plenti; Adelaide; On-site; AUD 65,000 - 95,000; Full time

Job summary

Plenti, a fast-growing fintech lender in Australia, is seeking a Collections Specialist to manage a portfolio of loan arrears, blending customer care, negotiation and compliant recovery actions.

You will engage with customers in arrears, assess circumstances, negotiate payment arrangements and collaborate with Credit, Legal and Support teams to drive resolutions while upholding NCCP, Privacy and AML/KYC standards.

Qualifications

• Experience in a fast-paced customer service environment with competing priorities.
• Collections experience, particularly with secured/unsecured arrears, is desirable but not essential.
• Confident, empathetic communicator, comfortable with direct conversations.
• Sound judgement and problem-solving with a focus on right outcomes for customer and business.
• Strong attention to detail, organisation and caseload management.
• Comfortable learning and using new systems such as collections platforms and CRM tools.
• Genuine passion for finance and helping customers in financial services.

Responsibilities

• Account Portfolio Management: Manage a portfolio of overdue accounts and implement strategies to resolve arrears.
• Customer Support and Debt Resolution: Respond to enquiries, contact customers in arrears, negotiate payment arrangements.
• Process, Records & Stakeholders: Maintain records and coordinate with Credit, Legal and Support teams.
• Compliance & Risk Management: Ensure activities comply with NCCP, Privacy, AML/KYC and ASIC guidelines.

Skills

Experience in a fast-paced environment

Collections experience

Empathetic communicator

Sound judgement

Attention to detail

Learn new systems

Finance passion

Tools

CRM tools

Job description

Who is Plenti?

Plenti is a fintech lender, providing faster, fairer loans by leveraging its smart technology. Plenti is a dynamic and innovative business that is growing strongly. By continuing to deliver better customer experiences, Plenti is taking market share from incumbent players in the personal lending, renewable energy, and automotive finance markets.

We are a fast moving and ambitious business that seeks to recruit smart and capable people, who can take ownership of their role to help the business thrive. With over 250 people based in Australia, Plenti is of a size where everyone can make a difference in their role and help us realise our very big ambitions as a team, as we go about building Australia’s best lender.

Plenti is a founder led business that launched in 2014, listed on the ASX since 2020 with annual revenue of over $250 million and a loan portfolio of over $3 billion.

About the role

The Collections Specialist plays a key role in supporting Plenti customers who have fallen behind on secured or unsecured loan repayments, managing a portfolio across early to late-stage arrears. The role blends customer engagement, negotiation and problem‑solving to help customers resolve arrears and return to good standing, while keeping our collections approach professional, effective and compliant.

This role suits someone who thrives in a fast‑paced, customer‑facing environment and brings genuine care, resilience and sound judgement to every conversation. Whether your background is in collections or another high‑volume customer service setting, you’ll build specialist financial services experience while making a real difference to customers navigating a difficult time.

Key Responsibilities

Account Portfolio Management

• Manage a portfolio of overdue accounts, assessing customer circumstances and implementing appropriate strategies to resolve arrears.

Customer Support and Debt Resolution

• Respond to enquiries and proactively contact customers in arrears.
• Negotiate structured payment arrangements, assess debt agreement proposals and support hardship requests.
• Initiate and manage skip tracing, bankruptcy actions and external referrals where required.

Process, Records & Stakeholders

• Maintain accurate records of interactions, payment plans and recovery actions.
• Help improve and document collections processes and workflows.
• Liaise with internal teams (Credit, Legal, Customer Support) and external collection partners/legal providers to ensure consistent treatment of accounts.

Compliance & Risk Management

• Ensure all activities comply with the NCCP Act, Privacy Act, AML/KYC obligations and ASIC regulatory guides.
• Participate in ongoing training and support remediation and quality initiatives.

Key Qualifications

• Experience in a fast‑paced customer service environment (e.g. contact centre, retail, hospitality or financial services) with a track record of managing competing priorities.
• Collections experience, particularly with secured and/or unsecured arrears accounts, is highly desirable but not essential for candidates with strong transferable skills.
• Confident, empathetic communicator, comfortable with direct and difficult conversations.
• Sound judgement and problem‑solving ability, with a genuine interest in finding the right outcome for both the customer and business.
• Strong attention to detail, organisation and caseload management.
• Comfortable learning and using new systems (such as collections platforms and CRM tools).
• Genuine passion for finance and supporting customers, with interest in a career in financial services.

What's life like at Plenti?

Working at Plenti means joining a team that is high-performing, diverse, customer-focused and collaborative. It's a place where everyone can "make it happen" and share in the results and success. If being in a dynamic industry as part of a market-leading fintech sounds like you, then join to help us reshape Australia’s financial eco-system for the good.

In return, you will enjoy a culture of innovation and entrepreneurship to take your career further. We offer flexible working and volunteer and study leave to develop your skills. We also have monthly social events, office snacks, company Townhalls and D&I initiatives and events to help you connect with your colleagues.

Plenti is committed to a diverse and inclusive workforce.

We encourage people from different backgrounds to apply, including Aboriginal and Torres Strait Islander people and people with disabilities. When you apply, let us know of any reasonable adjustments you may need during the interview process so we can accommodate you.