Collections Team Lead (m/w/d)

About Us
We are a leading global embedded finance platform, partnering with many of the world's largest e-commerce marketplaces, technology companies and payment service providers. Our technology enables partners to offer flexible financing solutions to merchants and SMEs under their own brand, making access to funding faster, simpler and more accessible.

Operating across the UK, Europe and the US, we are transforming the future of business finance through technology, data and AI-driven credit decisioning. As we continue to expand our German business, we are looking for an experienced Collections Team Lead – Germany to help build and lead our Collections function from our Berlin office.

The Role

To meet the growing demand for our technology and services, we are seeking a Collections Team Lead to join our Collections & Recoveries department. In this role, you will be instrumental in unlocking the full potential of our people and driving exceptional team performance. You will recruit, develop and empower a high-performing team while fostering a culture of accountability, growth and results. Working closely with other team leaders and senior leadership, ensuring our operations deliver maximum impact and efficiency.

As one of the fastest-growing FinTech businesses globally, we are looking for an exceptionally talented and self-motivated individual with the ambition to build a long-term career within our company.

Key Responsibilities

As a leader, you will:

• Recruit, develop, and manage a high-performing team of Collections Agents.
• Inspire and motivate them to consistently meet and exceed KPIs and SLAs.
• Provide ongoing coaching through regular one-to-one meetings, performance reviews, and team sessions, fostering a collaborative, accountable, and growth-oriented culture.
• Oversee daily collections activities across multiple lending geographies, handle escalated or complex customer cases with professionalism and empathy.
• Work closely with Customer Success and other departments to resolve issues and embed best practices.
• Drive efficiency through process improvements and the smart use of data and automation, ensuring all activities comply with internal policies, BaFin guidelines, and TCF principles.
• Use data and analytics to monitor performance, identify trends, and inform strategic decisions, while championing fair customer outcomes and sustainable repayment solutions.

Skills, Knowledge and Expertise

• Understanding of debt management strategies and regulatory frameworks.
• Minimum 5+ years’ experience in Credit Control, Collections, or Debt Recovery.
• Minimum 3+ years’ experience in a leadership or management role within the same domain.
• Experience managing teams of 5+ team member.
• Proven success leading and developing high-performing collections / credit control teams.
• A facts-based problem solver and have a get-things-done mentality.
• A great communicator with an ability to drive team performance.
• Strong use of Excel or any data analysis software is a plus.
• Successful track record of delivering against ambitious target.
• Exceptional oral and written communication, listening, and presentation skills.
• You will be proactive, take ownership, and act with urgency.