Collections Specialist – Fintech (Hybrid)

Story Terrace Inc.; Belfast City District; Hybrid; GBP 30,000 - 38,000; Full time

Benefits offered by this job

Fast career progression

Childcare support

Parental leave

Flexible time off

Hybrid working

L&D budget

Stock options

Private medical insurance

Device lease

Job summary

Raylo is seeking a Collections Associate to join our Belfast-based Operations team. In this role you’ll manage UK customer accounts, resolve arrears, and set up payment arrangements with empathy and consistency.

Around 80% of your time will be customer-facing, using AI-powered tools to streamline workflows and protect Raylo’s recurring revenue. You’ll work with teammates to evolve our collections operations and deliver fair outcomes.

Qualifications

• 3+ years of experience in collections, preferably fintech or consumer finance.
• Live-domain mastery with sharp decision-making and credit risk knowledge.
• Curiosity and modern tool literacy using data and AI to optimize workflows.
• Communication skills for clear, actionable handovers to team members and stakeholders.

Responsibilities

• Manage live customer casework, UK accounts, arrears, payment plans.
• Handle complex cases and escalations.
• Deliver high-quality customer support across phone, chat and email.
• Leverage operational data and AI tools to optimize collections.
• Help refine processes and tooling as operations evolve.
• Collaborate with Belfast team and wider business for alignment.

Skills

Collections experience

Credit risk

Data & AI literacy

Communication

Tools

CRM systems

Data analytics tools

Job description

Raylo is seeking a Collections Associate to join our Belfast-based Operations team. In this role you’ll manage UK customer accounts, resolve arrears, and set up payment arrangements with empathy and consistency.

Around 80% of your time will be customer-facing, using AI-powered tools to streamline workflows and protect Raylo’s recurring revenue. You’ll work with teammates to evolve our collections operations and deliver fair outcomes.