Collection Manager – Consumer Credit (Barcelona)

About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need. What you'll be doing As our Collection Manager – Consumer Credit, you’ll be the person who owns and evolves 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 – 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 prioritization of accounts. - Personalize customer engagement & tone of voice – Defining and implementing differentiated communication strategies, adapting tone, channel, and timing based on customer behavior. - Optimize 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 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! Does this sound like you? - 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 behavior through tailored communication and channel optimization. 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, regardle...