Collections Manager (Retail)

Revolut; Portugal; On-site; EUR 60,000 - 90,000; Full time

Job summary

Revolut in Portugal is seeking a Collections Manager to shape in-country debt collection processes for retail portfolios. You will lead end-to-end collections activities, align with regulatory requirements, and drive performance across in-house and DCA partnerships.

You’ll build scalable, compliant workflows, document policies, and use data-driven insights to improve recoveries. This role blends risk, operations, and analytics to support growth across regions.

Qualifications

• 5+ years of experience in debt collection and recoveries in retail banking, fintech, or DCA.
• Fluency in English and Portuguese.
• Experience creating and documenting collections processes.
• Understanding of debt portfolio management, debt sales, and debt restructuring.
• Knowledge of credit products, local debt collection laws, and relevant regulations.
• Great performance and relationship management skills with third-party service providers.
• A highly analytical mindset with excellent problem-solving skills.
• Curiosity and a drive to identify and implement improvements to automate wherever possible.

Responsibilities

• Lead compliant and effective debt collections processes.
• Ensure collections process is efficient and compliant with applicable laws and regulations.
• Owning and managing the end-to-end debt collections process for retail credit portfolios.
• Optimising in-house and outsourced collection capability with best-in-class contact and cure rates, using the latest technology and analytics.
• Documenting policies and procedures for debt collection and recoveries.
• Developing, managing, and refining collection strategies to optimise recoveries.
• Continuously improving collection processes, metrics, and tools.
• Effectively selecting and overseeing debt collection agencies (DCAs) to ensure SLA adherence.

Skills

Debt collection

Regulatory compliance

Analytical mindset

Problem-solving

Relationship management

Job description

About Revolut

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 80+ million customers get more from their money every day.

About Revolut

People deserve more from their money. More visibility, more control, and more freedom. Since 2015, Revolut has been on a mission to deliver just that. Our powerhouse of products — including spending, saving, investing, exchanging, travelling, and more — help our 80+ million customers get more from their money every day.

As we continue our lightning-fast growth, 2 things are essential to our success: our people and our culture. In recognition of our outstanding employee experience, we've been certified as a Great Place to Work™. So far, we have 13,000+ people working around the world, from our offices and remotely, to help us achieve our mission. And we're looking for more brilliant people. People who love building great products, redefining success, and turning the complexity of a chaotic world into the simplicity of a beautiful solution.

About The Role

The Credit team at Revolut creates and scales lending features that power global growth. They manage the entire product lifecycle, from backend systems to customer-facing experiences. By combining market insight, risk expertise, and technical precision, they deliver safe, forward-thinking solutions tailored to each region.

We're looking for a Collections Manager to build out our in-country processes and procedures. You'll also oversee continuous high performance of the team as we launch and scale features and services.

Up to shape what's next in finance? Let's get in touch.

What You'll Be Doing

• Leading the development of compliant and effective debt collections processes
• Ensuring the collections process is efficient and compliant with applicable laws and regulations
• Owning and managing the end-to-end debt collections process for retail credit portfolios
• Optimising in-house and outsourced collection capability with best-in-class contact and cure rates, using the latest technology and analytics
• Documenting policies and procedures for debt collection and recoveries
• Developing, managing, and refining collection strategies to optimise recoveries
• Continuously improving collection processes, metrics, and tools
• Effectively selecting and overseeing debt collection agencies (DCAs) to ensure SLA adherence

What You'll Need

• 5+ years of experience in debt collection and recoveries in retail banking, fintech, or DCA
• Fluency in English and Portuguese
• Experience creating and documenting collections processes
• A solid understanding of debt portfolio management, debt sales, and debt restructuring
• Knowledge of credit products, local debt collection laws, and relevant regulations
• Great performance and relationship management skills with third-party service providers
• A highly analytical mindset with excellent problem-solving skills
• Curiosity and a drive to identify and implement improvements to automate wherever possible

Building a global financial super app isn’t enough. Our Revoluters are a priority, and that’s why in 2021 we launched our inaugural D&I Framework, designed to help us thrive and grow everyday. We're not just doing this because it's the right thing to do. We're doing it because we know that seeking out diverse talent and creating an inclusive workplace is the way to create exceptional, innovative products and services for our customers. That's why we encourage applications from people with diverse backgrounds and experiences to join this multicultural, hard-working team.