Head of Collections (US)

About us

YouLend is a rapidly growing FinTech that is the preferred embedded financing platform for many of the world’s leading e-commerce platforms, tech companies, and Payment Service Providers. Our software platform enables our partners to extend their value proposition by offering flexible financing products in their own branding, to their merchant base, without capital at risk.

We are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020. Our US headquarters are in Atlanta, GA and European headquarters are in London, UK. However, we are also present in several European countries as well as the United States where we service our partners, including eBay, Stripe, Amazon, Shopify, GrubHub, and Shift4. 

The Role 

YouLend is looking to hire a Head of Collections and Recoveries for the US operation. In this role, you will be working closely with the VP of Operations to increase our collection rates, while providing excellent customer support. You will be responsible for a growing team of experienced collectors servicing our merchants across the United States (the team is 6 FTEs today). In addition to this, you will also be a key stakeholder in ensuring the continued success of our relationship with our debt purchasing and servicing partners.

You will get an opportunity to work cross-functionally with a wide range of stakeholders at YouLend including our Finance, Capital markets, and Credit Risk teams. In addition to this, you will be part of the operational leadership team at YouLend liaising with the Head of Sales and Head of Credit Decisions. The role will also require overlap with the tech team to automate and standardize existing processes. 

We are constantly innovating, automating, and improving our workflows. In this role, you will be expected to contribute your views on how we can continuously improve. 

Requirements

• Lead and manage the Collections and Recoveries function, ensuring team members are equipped to deliver excellent customer support while collectively delivering functional objectives.

• Constantly improve team efficiency through numbers-driven performance management and incentives.
• Deliver operational execution activity related to debt recovery and debt sales initiatives.
• Monitor, analyse, and report on key performance indicators to track and improve overall collection performance.
• Build great relationships with existing external service providers ensuring they deliver their part in our post-default recovery effort.

The ideal candidate will have the following skillset:

• Proven experience in a collections or debt recovery role, preferably in a fast-paced scale-up.
• Excellent communication and interpersonal skills, with the ability to effectively manage relationships with both internal and external stakeholders.
• Want to change the trajectory of your career by shaping a fast-growing fintech business.
• You will be comfortable in adapting to change, embracing bold ideas, and are intellectually curious.
• Are a facts-based problem solver and have a get-things-done mentality.
• Strong use of Excel or any data analysis software.
• Successful track record of delivering against ambitious target
• Exceptional oral and written communication, listening, and presentation skills.

• Ready to start as soon as possible

YouLend is an exciting place to work, and you will learn a lot from being part of such a dynamic and fast-growing company. We are proud of our people, and we enjoy celebrating our wins together. There are tremendous opportunities to grow.

Why join YouLend?

• Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
• Award-Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.

It’s just getting fun: 

• We have developed powerful solutions, won some significant partnerships, and are growing at a rapid pace. 
• But the global opportunity is still massive, and YouLend is a raw organisation where we are only just getting started. 

Lots of upsides: 

• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with business). 
• Well-capitalised with supportive private equity backing. 
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets. 

Motivating work environment:

• A high-quality team that pushes each other to succeed through direct feedback and aligned incentives. 
• Strong and transparent team culture, we have each other’s backs. 
• Independent work environment where results matter.  
• Data-driven culture and emphasis on speed (anti-red tape). 

Benefits

We offer comprehensive benefits package that includes:

• Health Care Coverage. Youlend covers 80%; employee contribution is 20% of the premium.
• 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.

• Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays

• Paid Office Parking

At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.