Senior Collections Strategy Manager

Join to apply for the Senior Collections Strategy Manager role at Zilch

Join to apply for the Senior Collections Strategy Manager role at Zilch

Zilch is a payment tech company on a mission to create the most empowering way to pay for anything, anywhere. Combining the best of debit, credit and savings, we give our customers the option to earn instant cashback or spread the cost of pricier purchases, completely interest free and with no late fees. Pretty great, right?

We started in 2018 with a small team and a big dream – to make credit accessible to all. Since then, we\’ve achieved double unicorn status and taken on more than 5 million customers. There are some exciting projects coming up and we’ve got big growth plans.

Want to join us?

The role.

We are seeking an experienced and Senior Collections Strategy Manager to join our growing team. You will be a key member of the Credit & Fraud Risk team, responsible for building and executing data-driven, customer-centric collections strategies. You will combine deep domain expertise in collections with advanced analytics and a strong commercial mindset to balance recoveries, customer outcomes, and regulatory expectations.

Day to day responsibilities.

• Develop and execute collections and recovery strategies that are tightly integrated with credit lifecycle policies.
• Use SQL and Python to monitor delinquency performance, design test/control experiments, and drive insight-led enhancements to cure, recovery, and roll rates.
• Own the development and A/B testing of omni-channel engagement flows — SMS, email, push, app, IVR, and agent — informed by behavioral and risk signals.
• Lead strategy and oversight of third-party collections and debt recovery partners. Define SLAs, implement champion/challenger frameworks, and hold agencies accountable to commercial and conduct KPIs.
• Partner with credit risk colleagues to optimise segmentation, reduce bad debt, and ensure pre-delinquency strategies align with back-end treatment plans.
• Contribute to the design and tuning of collections decision engines, real-time rules, and workflow automation.
• Build and maintain recovery forecasts, input into provision modelling, and partner with Finance to assess vintage loss curves and recovery waterfalls.
• Ensure collections strategies comply with FCA rules, Consumer Duty, vulnerable customer frameworks, and internal audit standards.
• 5+ years in collections strategy or credit operations.
• Prior experience working in or closely with credit risk functions.
• Proven experience managing agency and legal recoveries.
• Demonstrated track record of optimising contact strategies through data experimentation.
• Advanced SQL (essential), with working knowledge of Python for data manipulation and strategy modelling.
• Strong understanding of regulatory requirements in collections and recoveries.
• A degree in Mathematics, Statistics, Engineering, Computer Science, Finance or related fields is an advantage.

Compensation & Savings:

• Income Protection.
• Share Options Scheme.
• 5% back on in-app purchases.
• £200 for WFH Setup.
• Private Medical Insurance including;
• GP consultations (video, telephone or face-to-face).
• Prescribed medication.
• In-patient, day-patient and out-patient care.
• Mental health support.
• Physiotherapy.
• Advanced cancer cover.
• Employee Assistance Programme including:
• Unlimited mental health sessions.
• 24/7 remote GP & physiotherapy.
• 24/7 helpline for emotional & practical support.
• Savings & discounts on everyday shopping.
• 1:1 personalised well-being consultations.

Family Friendly Policies:

• Enhanced maternity pay.
• Enhanced paternity pay.
• Enhanced adoption pay.
• Enhanced shared parental leave.

Learning & Development:

• Professional Qualifications.
• Professional Memberships.
• Learning Suite for e-courses.
• Internal Training Programmes.
• FCA & Regulatory training.
• Hybrid Working.
• Casual dress code.
• Workplace socials.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Information Technology and Other

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