Head of Collections and Recovery Operations

<div class="content-intro"><p>At Bondora, our mission is simple: to make finance easy, transparent, and accessible for everyone.</p> <p>Founded in 2008, we’ve helped more than 700,000 customers across Europe borrow and invest effortlessly through our trusted digital products.</p> <p>As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers. This transition will allow us to expand our lending across more EU countries and broaden our product suite to deliver even more value.</p> <p>Join us on this journey and let’s build the future of finance together!</p></div><h2><span style="color: rgb(53, 152, 219);">What is this role about?</span></h2> <p data-start="113" data-end="405">As the Head of Collections and Recovery Operations, you will own and continuously optimise Bondora’s multi-market collections and recovery function, ensuring it scales efficiently with portfolio growth while remaining consistent, data-informed, and aligned with risk and financial outcomes.</p> <p data-start="407" data-end="800">You will lead the transformation of Collections &amp; Recovery from a locally optimised, execution-heavy setup into a centrally governed, strategy-driven operating model within a hub-and-spoke structure. This role combines strategic ownership with operational execution, ensuring that treatment strategies, processes, and performance management are standardised and effective across all markets.</p> <p data-start="802" data-end="972">You will work at the intersection of Operations, Credit Risk, Loan Servicing, Finance, and Product, acting as a key driver of portfolio performance and recovery outcomes.</p> <p><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Your main responsibilities will be:</span></p> <ul> <li><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Design and standardise operational workflows for early, mid, and late-stage collections and recovery.</span></li> <li><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Lead and develop Collections &amp; Recovery Managers in a matrix structure, ensuring alignment between central strategy and local execution.</span></li> <li><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Define and oversee external recovery strategies, including legal processes and third-party debt collection agencies.</span></li> <li><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Own performance frameworks, including recovery rates, cure rates, roll rates, cost-to-collect, and time-to-collect.</span></li> <li><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Drive continuous optimisation of collections efficiency, reducing manual work and improving scalability through processes and tooling.</span></li> <li><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:0,&quot;335551620&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Ensure consistent reporting, performance transparency, and governance across all markets.</span></li> </ul> <h2 style="line-height: 1.5;"><span style="color: rgb(53, 152, 219);">What would ensure success in this role?</span></h2> <ul> <li>Strong experience in collections and recovery within consumer lending, fintech, or financial services.</li> <li>Proven track record of managing multi-market operations and scaling operational functions.</li> <li>Deep understanding of delinquency dynamics, recovery drivers, and treatment strategies across the lifecycle.</li> <li>Experience working in centralised or hub-and-spoke operating models.</li> <li>Strong analytical mindset with the ability to translate data into actionable strategies.</li> <li>Solid understanding of credit risk, portfolio performance, and financial impact of recovery outcomes.</li> <li>Experience managing external partners such as debt collection agencies and legal providers.</li> <li>Strong leadership and stakeholder management skills in a matrix organisation.</li> <li>Clear communication, structured thinking, and strong ownership mindset.</li> </ul> <h2><span class="EOP SCXW133848558 BCX4" style="color: rgb(53, 152, 219);" data-ccp-props="{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:40,&quot;335559739&quot;:0,&quot;335559740&quot;:259}">What can you expect at Bondora?&nbsp;</span></h2> <ul class="p-rich_text_list p-rich_text_list__bullet" data-stringify-type="unordered-list" data-indent="0" data-border="0"> <li style="line-height: 1.5;" data-stringify-indent="0" data-stringify-border="0">Contribute to Bondora’s ambitious goal of reaching 1BN in revenue. Your skills and efforts will directly impact our growth trajectory and shape the future of our company.</li> <li style="line-height: 1.5;" data-stringify-indent="0" data-stringify-border="0">Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options and much more!)</li> <li style="line-height: 1.5;" data-stringify-indent="0" data-stringify-border="0">We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career.</li> </ul> <h2><span style="color: rgb(53, 152, 219);"><strong><span data-contrast="none"><span data-ccp-parastyle="heading 2">The next steps</span></span></strong></span></h2> <p><span data-contrast="none">If you have the guts, ideas, and a team vision, apply now!&nbsp;</span></p> <p><strong><span data-contrast="none">Our hiring process:</span><span data-ccp-props="{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559685&quot;:0,&quot;335559737&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">&nbsp;</span></strong></p> <ul> <li><span data-contrast="none">Meet Iryna, our Recruiter: Your first interview with Iryna will give you the chance to share your experiences and aspirations.</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">&nbsp;</span></li> <li>Collaborate with Helena, our Chief of Loan Services and hiring manager for this role.&nbsp;</li> <li><span data-contrast="none">Assessments: <span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">Tackle a home task and c</span>omplete our personality and logic assessments to showcase your strengths.</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">&nbsp;</span></li> <li style="line-height: 1.5;" data-leveltext="" data-font="Symbol" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="31" data-aria-level="1"><span data-contrast="none">Engage with our CEO and Founder.</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">&nbsp;</span></li> <li style="line-height: 1.5;" data-leveltext="" data-font="Symbol" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559683&quot;:0,&quot;335559684&quot;:-2,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}" data-aria-posinset="34" data-aria-level="1"><span data-contrast="none">The celebration begins: If the stars align, receive an offer to join the Bondora team!</span><span data-ccp-props="{&quot;201341983&quot;:0,&quot;335551550&quot;:1,&quot;335551620&quot;:1,&quot;335559739&quot;:160,&quot;335559740&quot;:259}">&nbsp;</span></li> </ul> <div class="content-conclusion"> <p style="line-height: 1.5;">&nbsp;</p> </div><div class="content-conclusion"><p><span style="font-weight: 400;">Join our team of Bondorians, and let's make it happen!</span></p> <p>If you'd like to read how Bondora collects, uses, and protects your personal data during recruitment, please see <a href="https://drive.google.com/file/d/1IFXtB3BFMhcYLdIR-GQFxHud-arEGVTy/view?usp=sharing">HERE.</a></p></div>