Operations Specialist

At Multitude, we’re more than just a listed European FinTech company—we’re a team driving financial innovation. We provide digital lending and online banking services that empower consumers, SMEs, and FinTechs to grow and succeed.
Powered by our Banking-as-a-Service Growth Platform, we operate through three business units: Ferratum, offering seamless mobile banking for consumers; CapitalBox, providing flexible financing for SMEs; and Multitude Bank, supporting non-bank lenders and FinTechs.
In 2023, we achieved €230.5 million in turnover, a testament to our strong financial performance. With 800+ employees across 25 countries, we’re shaping the future of finance in 16 markets. Founded in 2005 in Finland, Multitude is proudly listed on the Frankfurt Stock Exchange (FRU). 

Operations Specialist

Key Accountabilities 

• Provide operational support for all collection activities that our performed by third party debt collection agencies on our behalf 


• Prepare and transfer data files on a timely manner to our selected local partners across multiple markets for our lending business (over 12 countries) 


• Be main point of contact for any operational queries from our external partners or internal stakeholders 


• Ensure timely resolution of both internal and external operational queries 


• Manage incoming payment reports and follow up to ensure cash is booked internally in a timely manner 


• Provide post sale operational support in case of debt sales (forward flows, and inventory sales) across markets


• Review incoming partner invoices and reconcile against cash received by ensuring correct commission has been applied


• Perform a monthly reconciliation for each market and product between our NPL portfolios and third-party books


• Support early collections teams with handling emails from customers and registering in computer programs collections activities

Candidate Requirements

• The Ideal Candidate Detail-oriented and proactive professional with experience in debt collection, finance, or back-office operations.


• Possess strong analytical and communication skills, the ability to manage multiple tasks simultaneously, and a positive attitude.


• Proficient in MS Office, particularly Excel, and can work independently while ensuring accuracy and compliance with company standards. 

Education & Experience 

• A degree in Business Administration or Finance or similar work experience


• At least 1 year of experience in debt collections, finance, or back office


• Proven ability to work effectively with individual contributors, management, and cross departments.

Skills 

• Ability to manage projects independently and track multiple ongoing tasks.


• Focused and responsible, with the ability to follow procedures and guidelines.


• Strong verbal and written communication skills in English.


• Ability to facilitate effective communication between teams and partners.


• Logical thinker with a positive attitude.


• Quick learner and adept at solving problems. 


• Proficient in MS Office, especially Excel.


• Comfortable working with numbers and financial data.

Competencies

•  Provide support for all collection activities performed by third-party debt collection
  agencies.


• Manage incoming payment reports and follow up to ensure timely internal cash bookings. 


•  Prepare and transfer data files to local partners across multiple markets.


• Perform monthly reconciliations between NPL portfolios and third-party books.


• Act as the main point of contact for operational queries from external partners and internal
  stakeholders.


• Handle customer emails and register collection activities in relevant systems.


• Ensure timely resolution of internal and external operational queries.


• Lead the resolution of operational issues by handling and monitoring JIRA tickets. 


• Review partner invoices and reconcile against received cash, ensuring correct commission application.  


• Provide post-sale operational support for debt sales across markets.


• Follow procedures and guidelines meticulously.


• Support early collections teams and assist in training new team members.

We Offer:

• Hybrid work setup


• Internet allowance
  


• Complete Government Mandated Benefits


• HMO Insurance coverage up to 100,000php per illness per year


• Up to 15 SILs usable in the 3rd month
  


• Guaranteed 13th Month Pay equivalent to 1 of 12 of Gross Salary

IMPORTANT NOTE: Being a Financial Technology company we put a premium on our selection and vetting process. Thus, candidates must be informed that if they are considered for this role, they will undergo a stringent background, security, and credit check which will require time to comply with requirements upon passing.

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