Collections Lead

Job Title: Collections Lead

Location: London

Experience: 3-4+ years of experience

What about us?

Launched in 2023, INFINIT is a fast-growing fintech scale-up operating in multiple countries across Europe and Americas.

At INFINIT we are on a mission to reshape the future of SMEs. Our all-in-one operating system has banking at its core, and empowers small business owners and their teams to seamlessly manage and optimize every aspect of their business. By focussing on specific industries, INFINIT delivers tailored, high-value solutions, while building innovative AI products to further unlock significant growth opportunities for our customers. INFINIT operates globally, with ambitions to further expand its footprint to redefine the fintech landscape for SMEs worldwide.

Join us on the INFINIT journey as we revolutionise the SME economy and drive meaningful impact through innovation 🚀 

The role

As the Collection Lead at INFINIT, you will build our recovery engine from scratch. You will move us from manual processes to a scalable, automated machine that manages the entire lifecycle, from amicable prevention to asset repossession and legal enforcement.

You will build the infrastructure that protects our capital while preserving our commercial relationships, working at the intersection of Operations, Legal, and Product to design a collection system that is rigorous on risk but "Customer Success" oriented.

• Develop and implement collections strategies:
• Design and implement effective collections strategies and processes, including early intervention strategies, customer segmentation, and recovery workflows.
• Develop and maintain collection policies and procedures in compliance with all relevant regulations.
• Leverage technology and automation to streamline collection processes and improve efficiency.
• Run operations & manage asset risk:
• Manage the critical "early intervention" window, negotiating payment plans and settlements to resolve issues before legal action is needed, including implementing specific protocols to vehicle repossession and Sold Out of Trust (SOT) scenarios.
• Manage the transition to legal, handling file preparation for bailiffs and lawyers when amicable solutions fail.
• Define and track key performance indicators such as recovery rates, delinquency rates, and cost of collections.
• Analyze collections data to identify trends, identify areas for improvement, and inform strategic decision-making.
• Help prepare regular reports on collections performance for senior management.
• Build outsourced collection capabilities and oversee relationships 
• Research, select, and onboard external partners specializing in debt and physical asset seizure across our geographies (FR, UK, ES).
• Monitor partner performance against SLAs to ensure efficiency and cost-control.

• Experience: 2-3 years in B2B Collections or Credit Management.
• Experience in automotive, leasing, or asset-backed lending is a massive plus. You act with urgency and total accountability, treating every overdue euro as if it were your own money.
• You know that in recovery, speed is the difference between a full repayment and a write-off.
• You are tired of rigid legacy banks. You want to set up your own tools, draft your own policies, and use modern tech (Slack, Notion, Metabase).
• You are comfortable navigating insolvency proceedings and working with bailiffs/lawyers in at least one of our key markets (FR/UK/ES).You don't need to code, but you love data.

• Diverse and Inclusive Team: Join a dynamic and international team in excess of 8 nationalities. You'll have the chance to work with experienced professionals from around the world, fostering a rich learning environment.
• Competitive Salary and Equity: We offer highly competitive salaries and a stake in our success with share options because we're building this together.
• Inspiring Mission: We are dedicated to revolutionizing business financing and making a positive impact on the European economy. Your work at INFINIT will have a lasting effect on businesses and communities.
• Health and Well-being: Your health matters to us. You will have access to top-quality Medical & Mental Health Insurance.
• Quality Time Together: We foster a sense of community with annual gatherings and bi-weekly office team gatherings. You're more than welcome to join us for quality time.
• Personal Time Off: Enjoy flexibility with your personal time off.
• Flexibility and Ownership: We trust our team and we are goal-oriented. Enjoy the flexibility of hybrid working 3 days a week in our London office and 2 days from home.

Diversity & Inclusion

INFINIT promotes an inclusive culture that seeks equity and values different perspectives. We are proud to be an equal opportunity employer and consider all qualified applicants for employment without regard to race, colour, religion, age, sex, sexual orientation, gender, gender identity, national origin, disability, veteran status or any other legally protected characteristic.