Collection Manager – Consumer Credit (Barcelona)

About us

Traditional banking has never really given you control over your financial life. Satispay exists to change that: to empower people through finance.

That means making financial services easy and accessible for over 6.5M users. We started with payments, then benefits, investing, cards... and we’re not done. Not even close. We follow the same logic every time: find a real problem, solve it properly, then look for the next one. The destination? To build the most loved financial platform in the world. If you own outcomes rather than tasks, stay close to what users need, and refuse to wait for someone else to fix what's broken — you'll find people here who work exactly in the same way. And together, you'll build something worth being proud of.

What you'll be doing

As our Collection Manager – Consumer Credit, you'll own our end-to-end collection strategy across consumer lending products, with a strong focus on data, segmentation, and AI-driven decisioning.

Here's what that looks like in practice:

- Design and execute data-driven collection strategies – Leveraging advanced analytics and predictive models to design collection strategies tailored to different risk profiles and product types.

- Develop AI-powered collection approaches – Driving the adoption of AI to enhance next-best-action logic, predictive contact strategies, and intelligent prioritisation of accounts.

- Personalise customer engagement & tone of voice – Defining and implementing differentiated communication strategies, adapting tone, channel, and timing based on customer behaviour.

- Optimise performance and ROI – Owning key collection KPIs (recovery rates, roll rates, cost-to-collect), ensuring all initiatives are measurable and ROI-positive.

- Guarantee service levels and compliance – Ensuring all collection activities meet defined SLAs and regulatory requirements, balancing effectiveness with fairness.

- Manage stakeholders and ecosystem – Collaborating closely with Finance, Product, Data, and Legal teams, while managing external partners like collection agencies.

Who we're looking for

This role needs someone strategic, highly analytical, and innovative to lead and modernise our consumer credit collections operations.

- Deep experience in Consumer Credit & Collections – You have 7+ years of experience in collections within consumer lending (e.g., BNPL, unsecured/secured credit).

- Fintech, Banking, or Finance Background – 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 – Highly analytical and comfortable working with large datasets and segmentation models to drive decisions.

- AI & Innovation Orientation – Experience with AI applications in collections, such as predictive scoring or automated decisioning.

- Strategic Thinking & Execution – Ability to design sophisticated strategies while ensuring flawless operational execution.

- Customer-Centric Approach – Understanding how to influence customer behaviour through tailored communication and channel optimisation.

Don't worry if you don't tick every box. We believe in the power of different viewpoints and strengths. Your unique perspective is important as we build something special: if you're passionate and can make a difference, we truly encourage you to apply.

CareAbout: how we support your impact

We move fast, and evolution never stops. It’s a fun ride, but it can be challenging. To make sure our people truly thrive, we’re committed to making their lives easier, both in the office and out in the world.

That’s why we created CareAbout:

- ❤️ Health: private insurance for you and your family, psychological support with Serenis, mental health workshops.

- 💰 Financial resources: Stock Option Plan, meal vouchers, relocation support if you’re moving countries.

- ⚙️ Growth and development: professional development programs, internal mobility, language courses with Preply.

- 🌱 Flexibility: unlimited PTO, hybrid working policy*, flexible working hours.

- 👨‍👩‍👧 Family: enhanced parental leave, additional leave for child sickness.

*We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time.

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!

Learn more about us

Curious what it's actually like here? Our values and pillars shape how we work every day: explore them here https://www.satispay.com/en-lu/work-at-satispay/.

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