Collections Team Lead

About Us

You Lend is a rapidly growing Fin Tech 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  are owned by the leading Private Equity company, EQT, and have grown +100% year-on-year since 2020.

We are headquartered in London, UK, but are also present in several European countries as well as the United States where we service our partners, including eBay, Amazon, Just Eat, Shopify, and Stripe.

To meet the growing demand for our technology and services, we are seeking a Collections Team Lead to join our Collections & Recoveries department. In this role, you will be instrumental in unlocking the full potential of our people and driving exceptional team performance. You will recruit, develop, and empower a high-performing team while fostering a culture of accountability, growth and results.

Working closely with other team leaders and senior leadership, ensuring our operations deliver maximum impact and efficiency.

As one of the fastest‑growing Fin Tech businesses globally, we are looking for an exceptionally talented and self‑motivated individual with the ambition to build a long‑term career within our company.

As a leader, you will recruit, develop, and manage a high-performing team of Collections Agents, inspiring and motivating them to consistently meet and exceed KPIs and SLAs. You will provide ongoing coaching through regular one-to-one meetings, performance reviews, and team sessions, fostering a collaborative, accountable, and growth‑oriented culture.

In this role, you will oversee daily collections activities across multiple lending geographies, handle escalated or complex customer cases with professionalism and empathy, and work closely with Customer Success and other departments to resolve issues and embed best practices.

You will drive efficiency through process improvements and the smart use of data and automation, ensuring all activities comply with internal policies, FCA guidelines, and TCF principles. Using data and analytics, you will monitor performance, identify trends, and inform strategic decisions, while championing fair customer outcomes and sustainable repayment solutions.

• Proven success leading and developing high-performing collections / credit control teams.
• A facts-based problem solver with a get‑things‑done mentality.
• A great communicator with an ability to drive team performance.
• Strong use of Excel or any data analysis software is a plus.
• Successful track record of delivering against ambitious target.
• Exceptional oral and written communication, listening, and presentation skills.
• You will be proactive, take ownership, and act with urgency.

• Understanding of debt management strategies and regulatory frameworks.
• Minimum 5+ years' experience in Credit Control, Collections, or Debt Recovery.
• Minimum 3+ years' experience in a leadership or management role within the same domain.
• Experience managing teams of 5+ team members.

• Award‑Winning Workplace:
  You Lend 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:
  You Lend has been recognised as a "Top 250 Fintech Worldwide" company by CNBC.

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

• 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…