Collection Manager - Consumer Credit (Relocation to Luxembourg)

Collection Manager – Consumer Credit

Please note that this opportunity requires relocation to our Luxembourg office.

About Satispay

Satispay was born to revolutionise everyday payments – making them simple, fair, and accessible to everyone. Now, the focus has moved even further, aiming to shape the future of money.

We're a movement empowering millions of people, driven by a shared purpose to tackle big challenges. And we’re just getting started. We move quickly, think boldly, and trust each other to challenge the norm, learning and growing as we go.

If you’re looking for more than just your next job – if you want to build something impactful with a talented team – you’re in the right place.

What you’ll be doing

As our Collection Manager – Consumer Credit , you’ll play a key role in owning and evolving our end-to-end collection strategy across consumer lending products , with a strong focus on data, segmentation, and AI-driven decisioning. Here’s what your day-to-day will look like:

• Design and execute data-driven collection strategies – Leverage advanced analytics and predictive models to design collection strategies tailored to different risk profiles and product types.
• Develop AI-powered collection approaches – Drive the adoption of AI to enhance next-best-action logic, predictive contact strategies, and intelligent prioritization of accounts to maximize recovery rates.
• Personalise customer engagement & tone of voice – Define and implement differentiated communication strategies, adapting tone, channel, and timing based on customer behaviour.
• Optimize performance and ROI – Own key collection KPIs (recovery rates, roll rates, cost-to-collect), ensuring all initiatives are measurable and ROI-positive.
• Guarantee service levels and compliance – Ensure all collection activities meet defined SLAs and regulatory requirements, balancing effectiveness with fairness.
• Manage stakeholders and ecosystem – Collaborate closely with Finance, Product, Data, and Legal teams, while managing external partners like collection agencies.

Expect challenges, collaboration, and the freedom to bring your ideas to life. Things change quickly here, so be ready to adapt, take initiative, and shape your role as we grow.

Who we’re looking for

We need a problem‑solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in!

• Deep experience in Consumer Credit & Collections – You have 7+ years of experience in collections within consumer lending (e.g., BNPL, unsecured/secured credit), with a strong track record in strategic and operational roles.
• Fintech, Banking, or Finance Background – You have previous experience in a FinTech environment, modern Banking, or Financial Services.
• Knowledge of SEPA Framework – Familiarity with SEPA payment schemes and regulations is considered a strong plus.
• Strong Data & Analytical Mindset – You are highly analytical and comfortable working with large datasets and segmentation models to drive decisions.
• AI & Innovation Orientation – You have experience (or exposure) to AI applications in collections, such as predictive scoring, automated decisioning, or advanced contact strategies.
• Strategic Thinking with Execution Focus – You can design sophisticated strategies but also ensure flawless execution, bridging analytics and operations.
• Customer‑Centric & Behavioural Approach – You understand how to influence customer behaviour through tailored communication and channel optimisation.

Our benefits & perks

We believe high commitment, effort, and impact deserve to be highly rewarded and supported. That’s why we created Satispay CareAbout , our way of making sure you’re supported in your well‑being, growth, and finances:

• Unlimited paid time off
• Psychological support & mental health webinars with Serenis
• Flexible hybrid working system
• Extended parental leave
• Childcare leave

• Professional development programmes
• Internal mobility programme
• Language classes with Preply
• Internal workshops & training

• Stock Option Plan (with additional grants often provided based on performance)
• International relocation support
• Competitive salary
• Meal vouchers

Equal-Opportunity Employer

At Satispay, we’re proud to be an equal‑opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless – for instance – of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs!