Collection Expert (f/m/d) Sweden

Are you ready to change the market?

PAIR Finance has been reshaping debt collection across Europe since 2016 - combining technology and AI-powered communication to recover receivables fairly and transparently. We work with leading European companies and manage debtor communication that actually puts people first.

We're looking for a Collection Expert (f/m/d) to join our team in Stockholm or Gothenburg. You'll own our Swedish collection operations: handling B2C consumer cases across multiple channels, building relationships with clients and third parties, and driving collection outcomes. As a Collection Expert, you'll also hold our debt collection licence - a responsibility that reflects the trust our clients place in you and the care we take with every debtor interaction. You will work closely with experienced colleagues across Europe, with real responsibility from day one.

Your Responsibilities:

• Take ownership of our established Swedish collection operations and hold our debt collection licence. You'll build on strong foundations while bringing your own expertise and approach to drive continued growth in the market.
• Drive skilled consumer conversations - Conduct collection negotiations with consumers (B2C) across phone, email, chat, and letter with competence, empathy, and a clear focus on reaching sustainable outcomes.
• Manage client and third-party relationships - Build professional relationships with clients (B2B) and third parties (debt counselling services, attorneys), managing communication confidently and escalating complex issues where appropriate.
• Improve processes and drive outcomes - Identify bottlenecks and case patterns; recommend and implement improvements that enhance efficiency and collection results. Flag feedback that helps us improve our technology and service delivery.
• Maintain operational excellence and support the team - Ensure accurate file processing and CRM data integrity. Work closely with your manager and the international team to keep operations running smoothly, and share best practices with colleagues through training and mentoring.
• Report to: Country Head Nordics and Head of Collection in Berlin.

What we're looking for:

• Experience in the Swedish debt collection industry - you know the market, the regulations, and how to handle debtor communication professionally and empathetically.
• A completed commercial or service-oriented vocational qualification, or a relevant academic degree.
• A hands-on mentality: you are comfortable speaking directly with debtors, managing cases independently, and keeping things moving in a fast-paced environment.
• A Swedish debt collection licence is a strong plus - or you are familiar with the requirements and confident working within that regulatory framework.
• Fluent Swedish and English, written and spoken - both are essential for this role.
• Solid MS Office skills and confidence with digital tools and CRM systems.

Our offer for you:

• Thriving, financially stable company
• Strong experienced international team to support and mentor you along the way, and a smooth onboarding process
• International team of 30+ nationalities with professionals and experts
• Flat hierarchy, transparent and appreciative feedback culture, monthly all-hands meetings, annual feedback and evaluation cycle, and regular 1-on-1s with your lead
• Well-structured onboarding process as well as supportive and welcoming colleagues
• Unlimited employment contract, flexible working hours, and 28 vacation days for your work-life balance
• Fun company summer and Christmas parties as well as regular team events
• This role is based in Stockholm or Gothenburg, and we have a hybrid working policy.

Our Interview Process:

Who is your contact person?

Your contact person for this position is Jasmin Baldrich. If you have any questions, feel free to reach out via email ([email protected]) - we are looking forward to hearing from you!

For more information about PAIR Finance and career opportunities, please visit our website and our careers page.

About us

We are rethinking debt collection with our digital debt collection solution, characterized by our high customer orientation and efficiency standards. By using artificial intelligence, we are combining technology with behavioral science and so we are able to contact customers individually and in a simple way throughout the entire collection process.

Strengthened by one of the most renowned private equity firms in the fintech sector, Pollen Street, as well as partnerships with other investors such as Zalando Payments, PAIR Finance offers an excellent opportunity to dive deep into and actively shape the fintech industry.

PAIR Finance is an equal-opportunity employer. We value a diverse team and an inclusive culture. We welcome applications from all qualified individuals regardless of ethnicity, color, religion, gender, sexual orientation, gender identity or expression, age, national origin, marital status, or disability.

For more information about PAIR Finance, visit www.pairfinance.com/ and www.pairfinance.com/karriere/ and www.trustpilot.com/review/www.pairfinance.com

Do you want to find out more about PAIR Finance and the position? We are happy to answer your questions and also to receive your application!