Head of Collections

Salary: $140,000 - 180,000 (based on experience) + Super + Target Based BonusRole Description: Collections Strategy, Collections Operations, Collections Process, Portfolio Optimisation, Automation, Data AnalyticsAbout UsMoneyspot Financial is a fast-growing fintech lender operating across Australia, the United States, and South Africa. We specialise in providing accessible credit solutions to underserved customers, and are committed to building scalable, data-driven, and customer-centric financial services.As we expand, we are seeking a strategically minded, target driven and analytically proficient Collections Strategy Lead to help drive revenue performance across our Australian portfolio, and ultimately to shape the global collections approach. Through close collaboration with the originations team, the incumbent will help us reach our ambitious growth targets by optimising collections activities through innovation, automation, and continuous improvement across both operations process and strategy.We pride ourselves on working in a collaborative, agile, and results-driven environment where ownership is encouraged, good ideas are implemented quickly, and high performers are recognised.About the RoleWere looking for a Collections Strategy Lead to take ownership of our Australian portfolio performance and play a key role in shaping scalable, data-driven recovery strategies across our other geographies.This is not just an operations manager role although a background embedding processes and leading a collections operations team is essential - youll be responsible for the end to end account management and collections lifecycle.You will design and manage a collections function that combines data driven contact strategy optimisation, operational compliance, process improvement and intelligent automation to drive target based portfolio outcomes. You will also compile and present key collections reporting metrics, risk management findings and segment level performance to help shape the underwriting strategy.Youll partner with product, data, finance, and IT teams to implement solutions that are scalable, measurable, and impactful ensuring our collections function evolves with the business and meets the challenges of volume growth, regulatory complexity, geographic expansion and digital transformation.Key ResponsibilitiesOwn the overall collections strategy for the Australian market, with influence across other jurisdictions (USA, South Africa and future geographies we are expanding into).Analyse portfolio performance across delinquency buckets, segment risks, and recommend tailored treatment paths.Define recovery targets, prioritise high-risk accounts, and monitor performance against KPIs.Work with product teams to provide feedback around high risk segments and design bespoke collections strategies aligning with originations initiatives.Data & Analytics-Driven Decision MakingUse data to continuously refine and update collections processes and strategies (e.g. cure rates, contact effectiveness, repayment behaviours, communication timing).Build reporting dashboards and contribute to cross-functional insights on risk, customer lifecycle, and collections effectiveness.Work with data teams to improve data access, visibility, and decision-making quality.Lead the optimisation of our digital collections stack (SMS, email, IVR, in-app messaging, self-service).Run A/B tests and leverage behavioural insights to improve outreach effectiveness and reduce manual intervention.Collaborate with tech/product teams to implement scalable, compliant automation solutions.Leadership & Operations ManagementManage and mentor the collections team (onshore and offshore), driving accountability and a culture of continuous improvement.Improve daily workflows, agent performance, and customer interaction outcomes.Own vendor relationships and ensure performance of third-party agencies if applicable.Compliance & RiskEnsure full adherence to Australian debt recovery regulations (e.g. NCCP, ACL, AFCA).Maintain rigorous documentation and control standards to manage compliance risk.Contribute to policy updates and regulator response strategies where required.About YouYoure commercially minded, data-savvy, and target driven. You thrive on solving complex problems through a mix of analytical insight, team leadership, and process innovation. Youre as comfortable building out dashboards as you are coaching a team or presenting performance updates to the business owners.Youll likely have:5+ years of experience in collections strategy, credit risk, or portfolio management.2+ years leading a collections operations team or portfolio in a high-volume lending environment.Strong knowledge of Australian debt recovery laws and customer protection frameworks.Proficiency in using data to drive strategySQL skills highly regarded.Experience with automated and digital-first collections solutions.Excellent communication, negotiation, and conflict resolution skills.A growth mindsetalways looking to optimise and improve.Bonus If You HaveExposure to international lending portfolios or multi-jurisdiction compliance.Experience using Salesforce and modern collections platforms.Familiarity with credit reporting agencies and external recovery partners.Prior work in fintech or fast-paced digital lending environments.Experience using AI to automate collections processes.Why Join Us?Impact: Youll directly shape how we collect, recover, and serve thousands of customers.Ownership: Full accountability for strategy, tools, and performance.Innovation: Work at the cutting edge of collections technology and analytics.Growth: Opportunity to expand into global oversight or broader credit risk leadership.Culture: Join a collaborative, merit-based team that values autonomy and bold thinking.Ready to Apply?If youre passionate about combining data, strategy, and customer care to drive outstanding collections performance, wed love to hear from you. Apply now and help shape the future of lending at Moneyspot.How do your skills match this job?How do your skills match this job?Sign in and update your profile to get insights.Your application will include the following questions:Which of the following statements best describes your right to work in Australia? How many years'' experience do you have as a Head of Collections? Do you have credit collections experience?Researching careers? Find all the information and tips you need on career advice. #J-18808-Ljbffr

Created: 2025-06-30