Responsible for developing and executing Collections strategies while overseeing operations performance and Collections teams and resources.Play a pivotal role in optimizing credit performance for Personal Loans and Credit Card business lines.Utilize a data-driven and analytic approach to optimize collections strategy. Design, implement and evaluate experiments to evolve strategy and reduce losses across the portfolio.Guide analytics teams in developing models and actionable analytics to enable end-to-end collection strategies and operations.Develop integrated and best-in-class customer contact strategies with digital capabilities and self-service options.Develop and monitor key performance indicators (KPIs) and regularly present performance to executive leadership.Ensure collection strategies, processes and operations are fully compliant with relevant laws, regulations, and industry standards.Collaborate with cross-functional partners, including risk, operations, legal, compliance, marketing, finance, product, and engineering to improve overall loss performance and customer experience.Develop and maintain relationships with external debt collection agencies to enhance collections performance and customer experience.Continuously identify and implement process improvements to enhance the efficiency and effectiveness of Collections Operations.Lead assessment and implementation of best-in-class collections technology platforms.

Accountable for setting the vision and driving delivery of the bank financial assistance strategic agenda and be accountable for the performance, governance and oversight of the financial assistance function, including where required, external 3rd Parties, across all secured and unsecured personal products.Shaping the strategic vision for financial assistance, optimising customer and commercial outcomes whilst maintaining an effective 1st line of defence, control framework, including 1st line of defence for regulatory controls to ensure compliance and other appropriate regulatory controls.Owning Executive Level relationships with key 3rd party partners to leverage their capabilities to optimise all elements of our financial assistance strategy.Drive collaboration with strategic analytics to ensure the right segmentation of accounts for each strategy, that optimise the financial assistance strategy from a customer and a commercial perspective.Responsible for defining, designing and implementing portfolio collections and recovery performance monitoring framework for Portugal Business Unit, managing the performance of the portfolio in line with organisational goals.

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Reporting to COO and Co-Founder, assuming responsability for strategy, implementation and team management for all receivable collection functions across the full geographical footprint of ID Finance for EU and LATAM, including pre-collection; early and stage collections; regulatory compliance; team hiring, retention and motivation; technology implementation.Main Responsabilities:Team management: reporting and management of Collection Heads across all the portfolio projects and team scaling over time. Building strong horizontal company networks to continuously share feedback across the company to improve the overall result.Targeting: oversee and enforce capacity planning, coordinate budgeting (including all the key metrics) and its execution.Operational excellence: share best practices across all the projects and ensure robust implementation.Reporting: weekly, monthly and quarterly reporting with respect to key operational metrics. Ensure reporting consistency across all portfolio projects.Modeling: oversee implementation of data-driven approach (including scoring models) to portfolio segmentation and collection management.Back-end Systems: own the implementation, integration, upgrading and general management of back-end systems for receivable management.Recruiting: maintain top recruiting channels (coordinate globally); manage retained & contingency recruiters; ensure the smooth and timely hiring process inline with the capacity planning.HR: own the onboarding/offboarding process framework; maintain, streamline and improve the variable compensation framework; share and oversee the ID Finance Leadership Principles.Compliance: proactively manage all health and safety issues, strictly enforce data protection and all regional regulatory collection requirements.Vendor management: coordinate DCA and other vendor relationships across the geographical footprint.Special projects: work with the COO and department heads on strategy and implementation.

Reporting to the Policy Risk Director, the role of Head of Collections Strategy is responsible for external and internal reporting as well as analytical and strategic developments and representing these areas at senior management meetings.Management of Collections activity across all bank geographies.As Head of Collections Strategy my main duties are:Manage a team of Collections Analists and Specialist. Analytical development to improve collections results, increase revenues, reduce costs and identify opportunities for the operation to improve performance.Liaison with external data suppliers and industry specialists to ensure the company remains at the forefront of the use of decision science and negotiating of contracts and maintenance of relationships with these suppliers.Performance monitoring and internal reporting.Senior level input into the decision making of the company.

As a Collections Strategy Manager for WiZink Bank in Portugal I have the responsability of develop, implement and manage all credit strategies for new customers and minimising the risk of debt through pro-active credit management - reducing arrears and Bad Debt Charge.Implement collections strategies to maximise the debt reduction potential.Responsible for making critical decisions about the risks associated with all aspects of credit and account management decisioning across the customer life cycle, including acquisition, renewals and collections.Drive performance in maximising growth revenues, whilst ensuring that the highest levels of credit stewardship are maintained.Act as the collections strategy expert and develop links across the credit industry to ensure the organisation remains the market leader in terms of its approach to collections.Ensure full alignment with Internal Policies (Legal & Compliance) and Regulators, mainly with PARI & PERSI & PER Legislation (BOP Policies).Develop relationships with third party experts, especially Debt Collection Agencies, to deliver the optimum balance of internal and third party activity to help customers.Manage operational and regulatory risks, escalating as appropriate.Working closely with the Head of Credit Risk to develop an integrated risk framework.Providing credit and risk assurance and recommendations to board/committee.Ensure information systems are operated to the required standard to maintain accurate and secure records.Ensure there are adequate resources, including contingency arrangements, to run the business and meet our customer commitments.Manage a team of resources internal and external of junior and senior collections analists.Ensure the team understand and adhere to the company and department standards, policies and procedure.Straight and everyday interaction with CRO, Strategy and Ops Strategy to define monthly Impairment targets and Reporting Sessions.

As a Collections Operations Manager I am mainly responsible for:Benchmark of new market trends and practices.Review and recommend new contact strategies for Barclaycard portfolio.Participation and ownership on any new product/service/channels launch that impacts Collections and Recoveries.Analyse and decide collections operational strategy. Ensure the best approach in the market improving.operational learning and communications reducing this way Complaints and improving NPS.Active involvement in Collections & Recoveries strategy definition through the Collections Committees and Risk management Committees, presenting the Recoveries placements workflows, Collections and recoveries channels, forbearance tools usage, Operational KPIs and associated costs, negotiating internally with Credit Risk, Risk Collections and Collections Change & Transformation the matters supporting the Collections & Recoveries Ops view. Frequent exposure to Credit and Business stakeholders. Responsible for the development and delivery of an innovative ops strategy and change agenda to minimise bad debt losses across all SEC Barclaycard portfolios & reduce opex costs.Design and implementation of complex analytically based solutions to generate value in terms of impairment & Opex improvements for Barclaycard Collections. Participation in strategic investment projects to enhance the decision making infrastructure of Barclaycard Collections & Recoveries.Enhance the future capabilities of portfolios through the formulation of leading edge, innovative risk management approaches through proactive networking across Barclaycard and the external industry.Ensure clear, concise, and effective communication of the project’s progress / results in order to package the ideas in a logical, compelling and influential way, which will ensures success and explicit understanding.Function requires a strict collaboration and interaction with Ops Collections Head, reporting main project and activities.

As Senior Manager within Collections, I assume responsibility for the back-end collection functions across the group. I am accountable for managing a several Teams and Team Leaders as well as contributing towards a collections strategy and ensuring executions falls in line with regulatory compliance measures and deliver against business needs, whilst growing the collections functions as lending volumes increase.Principal responsibilities:Devise and implement effective collection tactics and strategies to contain delinquencies and lossesManage and establish service standard for external agencies/legal firms to improve recovery performance.Review credit policies/processes developed by Retail Credit Risk and provide guidance on risk management related matters.Plan and co-ordinate a wide range of projects, operation, system and manpower related issues to ensure smooth delivery of credit collection services.Motivate team members by providing adequate training/ job rotations and identifying potential talents for succession planning.Ensure implementation of Process & Controls and Management for Vulnerable Customers with alignment with PARI & PERSI & PER Legislation (BOP Policies).Everyday partnership relation/ interaction with Supplier under his/her management – including contract negotiation.Follow up on communication outputs and results with strong collaboration with Collections Strategy and Strategy Ops – including Champion vs Challenge approachEnsure that the Transformation journey is done with full alignment with Internal Policies and Regulators including identification and implementation of new alternative contacts strategies.Be the "bridge" between the operation and any new project in terms of procedures change and needs - including Legislation changes and new products launch.

Reporting directly to Collections Manager I am responsible for management of entire operational structure of Collections Cards Portfolios (Portugal and Greece).Management of External Agencies, around 200 persons.As a Collections Operations Manager I have the responsability of:Everyday partnership relation/ interaction with Suppliers for Collections departments – including contract negotiation.Manage day-to-day operations of the AR/Billing/Collections functions.Implement and maintain policies, procedures and controls.Manage the monthly recovery process including reconciliation of AR.Review and approve agreements related recovery process.Prepare monthly bad debt analysis report.Prepare monthly report for management.Manage debt aging and follow up on outdated and unusual items.Communicate frequently with customer contacts to resolve disputed items.Monitor accounts and perform risk assessments to ensure collection of AR.Manage, develop and train the Accounts Receivable team.Manage information requests during year-end audits for any items related to respective areas.Collaborate and work with internal departments for process improvements and resolution of any issues.Special projects as required.

As Collections Supervisor for Barclays I must provide customer service and be an experienced leader. A high attention to detail and excellent organizational skills are also important. Should be a team player and excellent in communicating both verbally and in writing.As a Supervisor of Barclays internal collections team I am managing 15 agents.Main Responsabilities are:Ensure team is meeting production goals, complying with company standards and federal collection laws and generally performing the essential functions of their position.Input data and creating spreadsheets showing the progress of staff's efforts to collect debts, for speaking with individuals who wish to speak with a supervisor and for approving and allow settlement and payment options.Supervise and coordinate activities of workers engaged in collecting overdue payments for charge accounts, credit card accounts, or loans from customers of banks.Review delinquent account records to determine which customers must be contacted for collection of overdue accounts.Organize collection work load according to degree and amount of delinquency and assign accounts to workers for collection.

As Collections Supervisor from an external agency I must provide customer service and be an experienced leader. A high attention to detail and excellent organizational skills are also important. Should be a team player and excellent in communicating both verbally and in writing.As a Supervisor of early collections team I am managing 10 agents.Main Responsabilities are:Ensure team is meeting production goals, complying with company standards and federal collection laws and generally performing the essential functions of their position.Input data and creating spreadsheets showing the progress of staff's efforts to collect debts, for speaking with individuals who wish to speak with a supervisor and for approving and allow settlement and payment options.Supervise and coordinate activities of workers engaged in collecting overdue payments for charge accounts, credit card accounts, or loans from customers of banks.Review delinquent account records to determine which customers must be contacted for collection of overdue accounts.Organize collection work load according to degree and amount of delinquency and assign accounts to workers for collection.

Responsible for reaching out to customers to collect payment for overdue bills, loans, or other payments. Acts as the liaison between creditors and customers and manages overdue accounts.Collect payments on past due bills.Create a list of people who have not made payments.Organize list according to severity of delinquency.Call customers using telephone.Utilize computer systems to handle skip tracing.Inform clients of overdue accounts and amount currently owed.Attempt to collect payment.Review terms of sale or loan documents.Ensure all customer information is correct, including phone numbers and addresses.Listen to customer's story and determine if debt can be collected.Set up repayment plans and new terms of sale.Offer advice or refer customers to debt counselors.Record new commitment to repay debt.Initiate repossession proceedings or hand over account to law practice that specializes in debt collection.Purge records if debt has been satisfied.