Credit & Collections Manager

• Tenure. Short. The team has mostly been replaced throughout 2026. At the same time, it has been, and will continue to, grow.
• Experience. Mixed. Some agents have years of experience, while others are working in Collections for the first time. We believe in hiring for talent and training for skill.
• Behaviours. Good. The team is dynamic and agile. They are able to adapt to changes quickly while getting the job done every day.

What you will own:

• The metrics. Own the metrics which drive portfolio performance in the US. This includes, but is not limited to, cure rates, repayment speeds, cost-to-collect, and losses.
• The strategy. Design and continuously evolve segmentation, treatment paths, and contact strategies across the US.
• The people. Lead, develop, and upgrade your team. Maintain and develop a performance culture which attracts and retains top performers.
• The operating model. Define the structure, management layers, workflows, governance, and performance cadence the function needs to scale with the business.

What we are looking for:

• You have directly owned collections outcomes and KPIs, and can talk through the decisions behind the numbers.
• You have led a small team, where you hired and trained staff independently.
• You have a track record of developing your people and holding them accountable to high standards.
• You have been a part of a collections function which has undergone a significant transformation rather than operated in a mature machine.
• You have operated in the US market and had exposure to regulatory differences across the country.
• You are comfortable with ambiguity, rapid growth, imperfect infrastructure, and shifting priorities – ideally from a scale-up of a comparable size.
• You are proactive, act with urgency, and take extreme ownership.

• You have had some exposure to the credit and lending domain: delinquency, defaults, recoveries, write-offs, roll rates, cure rates, and credit losses.
• You have had exposure to analytics, and are familiar with using data to make decisions.
• You have designed and evolved collections strategies, not just executed them.

• A real mandate. You are being hired to build and make your vision come true. The organisation and process is still rough. You have a real chance to make it your own.
• Scale ahead of you. The US is our biggest growth market and forecasted to continue growing at rapid pace. As the book grows bigger, so will the Collections team. You have a chance to be a central part of the journey.
• A serious team. You will be surrounded by high-quality people who push each other through direct feedback and aligned incentives.
• Speed over process. We have a data-driven culture with a low tolerance for red tape – only results and impact matter.

Job Benefits

• A market-competitive salary + annual bonus.
• Health Care Coverage. YouLend covers 80%; employee contribution is 20% of the premium
• Paid Time Off (PTO): 20 working days (4 weeks) + US public holidays.
• Medical Plan (medical insurance and prescription drug coverage) - Choice of 5 different plans through United Healthcare.
• Dental plan coverage.
• Vision plan coverage.
• Benefits can be for: Employee only; Employee & Spouse; Employee & Child; Employee & Family.
• Retirement - 401K match. Employee match $1 for $1 up to 5% of salary.
• Basic Life & AD&D Insurance.
• International travel insurance covered if traveling abroad for work purposes.
• A values-based culture and a team with exceptional talent and experience.
• An office in the heart of Atlanta.
• Paid Office Parking.