Customer Service Specialist providing debt negotiation for telecom products and services. Offering solutions via active/receptive voice support in São Caetano do Sul, Brazil.
About the role
- Head of Collections managing strategy and performance in collections for FairMoney's fintech services. Leading a diverse team to enhance cash recovery in emerging markets.
Responsibilities
- End-to-End Ownership
- Full accountability for cash collected, arrears, roll-rates, PAR/NPL, and recovery economics
- Own outcomes, not activities or excuses
- Actively shape upstream inputs (Risk, Product, CX, Tech) to improve downstream collections performance
- Strategy & System DesignDesign and execute a multi-horizon collections strategy:
- Short-term cash optimisation
- Mid-term recovery improvement
- Long-term customer behaviour change
- Build structured approaches to:
- Early vs late-stage collections
- Segmentation-driven treatment strategies
- Behavioural and incentive-based interventions
- Introduce clear experimentation frameworks (control vs test, ROI-driven rollouts)
- Data-Led Decision MakingUse data to drive decisions
- Partner deeply with Risk and Data Science on:
- Roll-rate optimisation
- Behavioural analytics
- Treatment effectiveness measurement
- Unit economics and ROI of collections actions
- Demand transparent, decision-ready reporting with clear accountability
- Team & Bench Strength
- Build a high-calibre leadership bench within Collections
- Upgrade talent decisively where required
- Develop leaders, not just agents
- Create a culture of accountability, ownership, and continuous improvement
- Cross-Functional Leadership
- Actively influence Product, Risk, Tech, and CX — do not wait for alignment
- Challenge constructively where design or policy decisions harm recoveries
- Be a respected, firm voice at senior leadership and ExCo forums
- Customer & Brand Balance
- Improve collections outcomes without damaging long-term customer value
- Reduce escalations through system fixes, not firefighting
- Balance firmness with fairness through smarter design, not leniency
- Time-Bound Success ExpectationsFirst 90 Days (Stabilise & Diagnose)
- Take full ownership of collections performance and escalations
- Establish clear visibility on cash, arrears, roll-rates, and recovery drivers
- Identify and begin fixing the highest-impact structural blockers
- Deliver a credible, data-backed transformation roadmap with priorities and owners
- Reset accountability standards and leadership expectations within the team
- First 6 Months (Deliver Step-Change)
- Demonstrate measurable improvement in:
- Cash collected
- Cash-to-arrears and cash-to-instalment ratios
- Late-stage roll-rates
- Implement segmentation-driven treatment strategies at scale
- Reduce escalations and repeat failure points through system and process redesign
- Strengthen leadership bench with clear successors and upgraded capability
Requirements
- Minimum of first degree in any related field of study.
- Minimum of 8 years proven experience in Collections with good leadership experience.
- Senior leadership experience in collections within lending, fintech, or credit-led businesses
- Proven track record of turning around or materially improving collections performance
- Experience operating in data-rich, fast-moving environments
- Mindset & Traits
- Builder, not caretaker
- Strong personal ownership — *“the buck stops with me”*
- Comfortable with ambiguity and transformation
- Proactive, commercially minded, and decisive
- Willing to challenge peers and leadership when required
- Low tolerance for excuses; high tolerance for accountability
Benefits
- 25 days paid vacation, Sick & Public Holidays to B2B contractors.
- Remote (timezone must have significant overlap with CET).
- Training & Development budget.
- Paid company business trips.
- Relocation allowance
Job title
Job type
Experience level
Salary
Not specified
Degree requirement
Location requirements
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