Collections Expert - Empathetic, AI-Powered Recovery Lead

bunq; Amsterdam; Hybrid; EUR 90,000 - 130,000; Full time

Benefits offered by this job

Hybrid work: 2 days remote after 3‑mo

€1500 learning budget annually

Flex Benefits €70 monthly

Travel expenses covered (NL)

Digital Nomad: up to 20 days/year

MacBook provided

Private health insurance (NL)

Alleo €60 monthly allowance (NL)

Friday drinks & celebrations

Job summary

bunq is seeking a Collections Expert to own credit card collections end to end, from the first missed payment to a fair outcome for users. Automation handles the initial contact, with human review from Day 30. You’ll shape empathetic, compliant outreach and build AI-powered automation to scale workflows.

You’ll track delinquency, coordinate with Legal and Risk, and manage third parties with a focus on fairness and performance. Hybrid work after ramp-up, learning budget, and generous perks await.

Qualifications

• Deep expertise in collections strategy and portfolio risk.
• Ability to apply debt collection regulations in gray areas.
• Data-driven mindset to translate insights into actions.
• Proven cross‑team leadership and third‑party oversight.
• Empathetic, compliant approach to user outreach.

Responsibilities

• Own credit card collections end to end from missed payments.
• Design empathetic, clear, compliant outreach at scale.
• Build AI-powered automation to scale outreach with human in the loop.
• Track delinquency and recovery, drive process improvements.
• Coordinate with Legal, Risk, and collections partner from Day 90.

Skills

Collections strategy

Portfolio risk

Data analysis

Leadership

Regulatory knowledge

Cross-functional collaboration

Tools

AI automation

Job description

bunq is seeking a Collections Expert to own credit card collections end to end, from the first missed payment to a fair outcome for users. Automation handles the initial contact, with human review from Day 30. You’ll shape empathetic, compliant outreach and build AI-powered automation to scale workflows.

You’ll track delinquency, coordinate with Legal and Risk, and manage third parties with a focus on fairness and performance. Hybrid work after ramp-up, learning budget, and generous perks await.