Head of Collections and Recovery Operations

Bondora

Head of Collections and Recovery Operations at Bondora, optimising collections across EU markets. Leading transformation into a strategic operating model while driving portfolio performance and recovery outcomes.

Posted 4/16/2026full-timeRemote • 🇪🇪 EstoniaLeadWebsite

About the role

Key responsibilities & impact

Own and continuously optimise Bondora’s multi-market collections and recovery function.
Lead the transformation of Collections & Recovery from a locally optimised setup into a centrally governed, strategy-driven operating model.
Ensure treatment strategies, processes, and performance management are standardised and effective across all markets.
Act at the intersection of Operations, Credit Risk, Loan Servicing, Finance, and Product, driving portfolio performance and recovery outcomes.

Requirements

What you’ll need

Strong experience in collections and recovery within consumer lending, fintech, or financial services.
Proven track record of managing multi-market operations and scaling operational functions.
Deep understanding of delinquency dynamics, recovery drivers, and treatment strategies across the lifecycle.
Experience working in centralised or hub-and-spoke operating models.
Strong analytical mindset with the ability to translate data into actionable strategies.
Solid understanding of credit risk, portfolio performance, and financial impact of recovery outcomes.
Experience managing external partners such as debt collection agencies and legal providers.
Strong leadership and stakeholder management skills in a matrix organisation.
Clear communication, structured thinking, and strong ownership mindset.

Benefits

Comp & perks

5 weeks of vacation
private healthcare compensation
hobby grant
mental healthcare support
share options and much more!

ATS Keywords

✓ Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills & Tools

collectionsrecoveryconsumer lendingfintechfinancial servicesdelinquency dynamicstreatment strategiescredit riskportfolio performancedata analysis

Soft Skills

leadershipstakeholder managementclear communicationstructured thinkingownership mindsetanalytical mindset