Senior Manager Collection (Credit)

LemFi; United Kingdom; Remote; GBP 70,000 - 90,000; Full time

Job summary

A fintech startup is seeking a collections leader to design and scale a collections function from the ground up. The role involves building a customer-focused strategy, implementing technology solutions, and leading a high-performing team to improve customer outcomes and compliance with regulatory standards. A strong background in collections, data analytics, and FCA regulations is essential for this position.

Qualifications

• Significant experience in collections and recoveries within consumer lending.
• Experience in building or transforming a collections function.
• Hands-on with data and analytics, capable of interpreting data.

Responsibilities

• Build and own the collections strategy across various stages.
• Set up tooling and platforms for collections technology.
• Use analytics to improve decisioning and customer engagement.

Skills

Collections strategy building

Data analysis

AI engagement tools

Compliance with FCA regulations

Job description

Overview

About our Company:

LemFi (YC S21, Series B) is revolutionizing cross-border financial services for immigrants through its multi-currency platform, processing over $1 billion in monthly transactions. We provide instant remittances, foreign exchange services, and multi-currency accounts, all in one seamless experience.

With 300+ employees across 15+ countries, our platform supports twelve currencies and integrates directly with local banks and mobile money providers, ensuring fast, low-cost transactions. But we’re not stopping at payments. LemFi is building a comprehensive financial ecosystem empowering immigrants with the financial tools they need to thrive—wherever they go.

Our vision: To build the first full-stack financial services hub for the world’s immigrant population.

Who you are:

You are a candidate who would thrive in a fintech startup environment like ours, where we readily accept individuals with a humble, yet uplifting attitude alongside a diligent sense of work ethic. The teams here at LemFi are passionate about their work and expertise, but also lend hands on cross-functional responsibilities to ensure the success of the company and the satisfaction of our clientele.

Job Summary

At LemFi we are building a credit product that is fair, transparent, and accessible. We are now looking for a collections leader to guide us on this journey. This is a unique opportunity to design, build, and scale a collections function from the ground up, bringing together strategy, technology, and customer-focused operations to deliver strong customer outcomes and business results.

Responsibilities

• Build and own the collections strategy across pre-arrears, early arrears, late arrears, and recoveries, covering all credit products.
• Set up tooling and platforms by selecting and implementing collections technology, workflow engines, and AI-driven engagement tools.
• Use analytics and AI to improve decisioning, segmentation, repayment plans, and identification of customer vulnerability.
• Lead operations directly in the early stages, then recruit and manage a high-performing team across operations and vendor management.
• Own collections and recoveries quality assurance and controls, ensuring compliance with FCA Consumer Duty, Treating Customers Fairly, and vulnerability frameworks.
• Work with product and design to create collections journeys that are seamless and customer-focused.
• Represent collections at senior level, presenting performance, risks, and outcomes to leadership and external stakeholders.
• Build and manage relationships with debt collection agencies, debt purchasers, and other external partners.

Requirements

• You have significant experience in collections and recoveries within consumer lending.
• You have built or transformed a collections function and are comfortable being the first hire to set it up.
• You are hands-on with data and analytics and are comfortable interpreting and digging into data to find the why.
• You are curious about how AI can improve collections performance and customer outcomes.
• You have a strong understanding of FCA regulations, Consumer Duty, and quality assurance frameworks.
• You are comfortable engaging with external partners such as DCAs and debt purchasers.
• You are excited by the opportunity to build and grow a team as the business scales.
• #LI-Remote