Work Arrangement
Office Days per Week: 3 days
Key Skills
Job Description
Our users just got their bunq Credit Card and want to maintain their credit history. Most don’t want to fall behind, and they worry about what happens if they do. If they miss a payment, they need bunq to help them catch up, not hit them with shame or surprises. As our Collections Expert, you make sure collections stay fair, human, and effective. 🤝 Up for this? Kick off your application by taking our assessment and find out if bunq is your perfect match! 💚 As our Collections Expert, you’ll own credit card collections end to end, from the first missed payment to a fair outcome for our users. Automation handles the first contact, and people step in from Day 30. 📋 Make sure certified Support Adams offer standard payment plans correctly, and escalate non-standard cases to the Product Owner Lending 💬 Set the tone for every outreach, so it stays empathetic, clear, and compliant, especially for vulnerable users 🤖 Build AI-powered automation that scales our outreach, with a human in the loop where judgment matters 📊 Track delinquency, recovery, and outreach results, and turn what you find into process improvements ⚖️ Keep every step compliant and fair, working closely with Legal and Risk 🔄 Run the handoff to our collections partner from Day 90, and make sure only cleared cases are referred This challenge is perfect for you if ✨ You have deep expertise in collections strategy and portfolio risk, and you can decide when the picture is unclear You stay calm and empathetic in stressful moments You know debt collection and consumer credit regulations in depth, and you can apply them in gray areas You analyze data and turn it into action You lead across teams and balance competing priorities You can oversee third parties and teams, and hold them to a high standard You design and build AI-powered solutions to improve how your team works Your space to perform We give you the space and the tools you need to succeed 💪 🤟 Great, international colleagues who share your mindset 👩💻 Hybrid setup: after 3 months in-office, work 2 days remote, 3 days in-office weekly. 📚 We support growth with bunq Academy and €1500 annual learning budget 🇧🇬 Flex Benefits: €70 monthly budget via Re: benefit, offering access to 150+ perks tailored to your lifestyle. 🚌 Travel expenses are covered whether you come walking or by bike, bus or car (though we prefer green choices 🌳) (in the Netherlands) 🧳 Digital Nomad Program: After your first year, enjoy up to 20 days per year to work while traveling, combining flexibility with strong team collaboration 🚀 We reward tenure with a dedicated travel budget: €1.5k after 2 years and €3k after 4 years to visit another core office. 💻 A MacBook so you can Get Shit Done with us 🥦 Delicious lunches from our fabulous in-house chefs with vegan and vegetarian options 💰 An optional pension plan with monthly contribution from bunq (in the Netherlands) ⚕️ Private health insurance, just in case (in Turkey or Bulgaria) 🧘 €60 monthly allowance via Alleo by Epassi, rolling over monthly and resetting annually (in the Netherlands) 🍻 Friday drinks and other celebrations - bunq style All new hires are subject to Pre-employment Screening (PES), which includes checks conducted by our third-party partner, Zinc. This is part of our commitment to a secure and trustworthy workplace. Curious to see how we make life easy? - try the bunq app, it only takes 5 minutes to sign up.
Core Responsibilities
Own credit card collections from the first missed payment through resolution, ensuring outreach is fair, empathetic, and compliant; oversee payment plans, escalations, and the handoff of cleared cases to the collections partner. Build and improve AI-powered outreach, monitor delinquency and recovery results, and work with Legal, Risk, Support, and Product to strengthen collections processes.
Requirements
The role calls for deep expertise in collections strategy, portfolio risk, debt collection, and consumer credit regulations, along with sound judgment in ambiguous cases and empathy in stressful situations. Candidates should be able to analyze data, lead across teams, oversee third parties, and design AI-powered solutions; no education requirement is stated.
Benefits
- Hybrid Work Arrangement
- Learning Budget
- Flexible Benefits Budget
- Travel Expense Coverage
- Digital Nomad Program
- Tenure-Based Travel Budget
- MacBook
- In-House Lunches
- Optional Pension Plan
- Private Health Insurance
- Monthly Wellness Allowance
- Team Events
About bunq
Industry: Banking
Company size: 501-1,000 employees
We are bunq, bank of The Free. We’re here to break free from the status quo, and create a bank with our users in mind. Giving them the freedom to live life on their own terms. We built our own financial system from the ground up, and with the launch of our app in 2015, reinvented banking as you know it. And that’s just the beginning! We work around the clock to create fintech innovations that simply make banking and money management as easy, transparent, and fun as possible. Have a business? bunq Business was created as the ultimate bank account to save you time. This means no more paperwork, branch visits or bureaucracy ever again. Just the freedom to focus on what’s truly important: running your business. Go to bunq.com/business and find out how we can help your business thrive. Want to join us in our mission to revolutionise the traditional banking industry? You will become part of an international team of more than 500 bunqers (48 nationalities and counting!) that all have one thing in common: we love what we do. Waking up with brilliant ideas and going to bed knowing that you’ve personally contributed to them. That’s working at bunq. If that sounds like your kind of challenge, go to bunq.com/jobs get the ball rolling.