Head of Collections and Recovery Operations
Bondora
full-time
Posted on:
Location Type: Remote
Location: Estonia
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Job Level
About the role
- 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
- 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
- 5 weeks of vacation
- private healthcare compensation
- hobby grant
- mental healthcare support
- share options and much more!
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