Collections Team Lead

YouLend; City Of London; On-site; GBP 60,000 - 80,000; Full time

Job summary

A growing FinTech company in London seeks a Collections Team Lead to manage a high-performing team. The ideal candidate will have extensive experience in credit control and team leadership, focusing on delivering exceptional customer outcomes. This role offers opportunities for career growth and comes with a comprehensive benefits package, including stock options and private medical insurance.

Benefits

Stock Options

Private Medical insurance

Dental Insurance

Enhanced Maternity and Paternity Leave

Free Gym in office building

Subsidised Lunch

Deliveroo Allowance

Monthly in office Masseuse

Team and Company Socials

Sports Club opportunities

Qualifications

• Proven success leading and developing high-performing collections/credit control teams.
• A facts-based problem solver with a get-things-done mentality.
• Strong communication skills with an ability to drive team performance.
• Proactive and ownership-driven with a sense of urgency.

Responsibilities

• Recruit, develop, and manage a high-performing team of Collections Agents.
• Oversee daily collections activities across multiple lending geographies.
• Drive efficiency through process improvements and the use of data.
• Monitor performance and inform strategic decisions using data and analytics.

Skills

Leadership and team development

Data analysis

Communication skills

Education

Minimum 5+ years’ experience in Credit Control, Collections, or Debt Recovery

Minimum 3+ years’ experience in a leadership or management role

Tools

Excel or data analysis software

Job description

About Us

YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.

We are owned by the leading Private Equity company, EQT, and have grown +100% year‑on‑year since 2020. We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.

The Role

To meet the growing demand for our technology and services, we are seeking a Collections Team Lead to join our Collections & Recoveries department. In this role, you will be instrumental in unlocking the full potential of our people and driving exceptional team performance. You will recruit, develop and empower a high‑performing team while fostering a culture of accountability, growth and results. Working closely with other team leaders and senior leadership, ensuring our operations deliver maximum impact and efficiency.

As one of the fastest‑growing FinTech businesses globally, we are looking for an exceptionally talented and self‑motivated individual with the ambition to build a long‑term career within our company.

What you will do

As a leader, you will recruit, develop, and manage a high‑performing team of Collections Agents, inspiring and motivating them to consistently meet and exceed KPIs and SLAs. You will provide ongoing coaching through regular one‑to‑one meetings, performance reviews, and team sessions, fostering a collaborative, accountable, and growth‑oriented culture.

In this role, you will oversee daily collections activities across multiple lending geographies, handle escalated or complex customer cases with professionalism and empathy, and work closely with Customer Success and other departments to resolve issues and embed best practices.

You will drive efficiency through process improvements and the smart use of data and automation, ensuring all activities comply with internal policies, FCA guidelines, and TCF principles. Using data and analytics, you will monitor performance, identify trends, and inform strategic decisions, while championing fair customer outcomes and sustainable repayment solutions.

Who you are

• Proven success leading and developing high‑performing collections / credit control teams.
• Afacts‑based problem solver and have a get‑things‑done mentality.
• Agreat communicator with an ability to drive team performance.
• Strong use of Excel or any data analysis software is a plus.
• Successfultrack recordof delivering against ambitious target.
• Exceptional oral and written communication, listening, and presentation skills.
• You will be proactive, take ownership, and act with urgency.

Professional Profile

• Understanding of debt management strategies and regulatory frameworks.
• Minimum5+ years’ experience in Credit Control, Collections, or Debt Recovery.
• Minimum3+ years’ experience in a leadership or management role within the same domain.
• Experience managing teams of 5+ team member.

Why joinYouLend?

• Award‑Winning Workplace:YouLend has been recognised as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award‑Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

It’sjust getting fun:

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace.
• But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started.

Lots of upsides:

• High‑growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business).
• Well‑capitalised with supportive private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.

Motivating work environment:

• A high‑quality team that pushes each other to succeed through direct feedback and aligned incentives.
• Strong and transparent team culture, we have each other’s backs.
• Independent work environment where results matter.
• Data‑driven culture and emphasis on speed (anti‑red tape).

We offer a comprehensive benefits package that includes:

• Stock Options
• Private Medical insurance via Vitality and Dental Insurance with BUPA
• EAP with Health Assured
• Enhanced Maternity and Paternity Leave
• Modern and sophisticated office space in Central London
• Free Gym in office building in Holborn
• Subsidised Lunch viaFeedr
• Deliveroo Allowance if working late in office
• Monthly in office Masseuse
• Team and Company Socials
• Football Power League / Paddle and Yoga Club

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.