Junior Collections Specialist

We’re looking for a Junior Collections Specialist (m/f/d)

We are looking for a diligent a Junior Collections Specialist to help us maximise collections returns by understanding the customer’s circumstances and ensuring that all actions achieve the best outcome for iwoca and our clients.

The company

Imagine a world where every small business has the power to thrive. That's the world we're building at iwoca. Small businesses aren't just statistics – they're the heartbeat of our communities, the character of our high streets, and the engine of our economy. Since 2012, we've revolutionised how these businesses access finance, turning what was once a lengthy, frustrating process into something remarkable: funding that's fast, flexible, and actually works for modern businesses.

Our impact speaks for itself: we've provided billions in funding to over 150,000 businesses across Europe, making us one of the continent's leading fintech innovators. But we're just getting started. Our mission? To empower one million businesses with the financial tools they deserve.

We combine cutting-edge technology and data science with genuine human understanding to make finance feel less like a barrier and more like a superpower. Whether it's managing cash flow or seizing unexpected opportunities, we ensure businesses get the funds they need – often within minutes.

Our culture

We’re expanding fast across our offices in London, Leeds and Frankfurt. With all this growth, we’re looking for people who want to learn on the job and lead projects, knowing that your ideas will impact thousands of small businesses.

Your mission

We are seeking an experienced Collections & Debt Recovery Specialist who will be required to work within a fast-paced, customer focused environment, providing great customer service while maintaining the team’s excellent track record.

• Case handling a high volume portfolio of customer accounts in arrears through to completion with varying and unique circumstances

• Handling inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and customer service skills

• Building relationships with customers through regular contact to validate, understand and resolve breaches of agreements with customers

• Negotiate, implement and monitor feasible repayment solutions that take into account the customer's circumstances while balancing the best interests of the business

• Work with a wide range of teams within the company to understand, strategise and implement the most appropriate course of action for each account

• Working closely with Collections Management and the Head of Collections to review and develop recovery strategies

• Instructing, liaising and monitoring third parties such as debt collection agencies and Paralegals to ensure the best outcome is achieved

• Ensuring compliance with all appropriate legislation regulatory body guidelines

• Adhering to our company policies and procedures

• Upholding iwoca’s company reputation at all times

• Updating databases and systems in order to keep an accurate record of activities, observations and outcomes within the recovery process

Requirements

We look for people who are smart, humble, motivated and who are always looking to improve.

Ideally you'll have:

• Nice to have 1 year debt recovery experience, ideally in the commercial/business sector

• Empathy, forbearance and professionalism

• Strong communication skills, accuracy and confidence

• The ability to deal with a variety of challenges, innovate and think on your feet

• Business acumen, entrepreneurial spirit with real enthusiasm for helping SMEs. Experience within the finance industry is advantageous.

The offices

We put a lot of effort into making iwoca a great place to work:

• Offices in London, Leeds, Berlin and Frankfurt with plenty of drinks and snacks.

• Events and clubs, like bingo, comedy nights, yoga classes, football, etc.

The benefits

• 26 days’ holiday, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave

• A one-month, fully paid sabbatical after four years.

• Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.

• An employee equity incentive scheme

• Two company retreats a year, we’ve been to France, Italy, Spain, and further afield.

And to make sure we all keep learning, we offer:

• A learning and development budget for everyone.

• Company-wide talks with internal and external speakers.

• Access to learning platforms like Treehouse.