Debt Sale Strategy Manager

Job Title: Debt Sale Strategy Manager

Location: London, UK

Industry: Consumer Credit Card

Reports to: Chief Commercial Officer

Our Client

Our client are a rapidly growing and innovative consumer fintech company based in London, focused on providing accessible and flexible credit solutions. With a unique and customer-centric approach, they are transforming the way people manage their finances through cutting-edge technology and data-driven strategies. As they continue to scale, we are looking for an experienced and results-driven Debt Sale Strategy Manager to join their dynamic team.

Role Overview

The Debt Sale Strategy Manager will be responsible for designing, executing, and optimising the strategy for the sale of delinquent consumer credit card debt. This is a critical role within our business, working closely with internal stakeholders, external debt buyers, and third-party collection agencies to maximize the recovery of outstanding debt while ensuring compliance with relevant regulations and internal policies.

As part of our high-growth, fast-paced environment, this position offers significant opportunity for career growth and the chance to have a direct impact on the company's profitability and operational efficiency.

Key Responsibilities of the Debt Sale Strategy Manager

Debt Sale Strategy Development:

• Develop and implement strategies for the sale of delinquent credit card debt, optimizing portfolio pricing, timing, and risk management.
• Continuously assess and refine debt sale models based on performance data, customer behavior insights, and market conditions.

Stakeholder Management:

• Build and maintain relationships with external debt buyers, collection agencies, and other third-party partners to ensure the efficient and profitable sale of debt.
• Collaborate closely with internal teams, including Risk, Collections, Compliance, and Finance, to ensure alignment with broader business objectives.

Data Analysis & Reporting:

• Analyse portfolio performance, including collections rates, recovery metrics, and sale performance to drive data-backed decisions.
• Develop regular reports and presentations for senior management, highlighting debt sale outcomes, opportunities for improvement, and market trends.

Market Research & Vendor Evaluation:

• Stay informed about the debt sale landscape, including emerging trends, regulations, and competitor activities.
• Lead the evaluation and selection of third-party debt purchasers, ensuring they meet company standards for compliance, ethical practices, and financial performance.

Compliance & Risk Management:

• Ensure that all debt sale activities comply with relevant UK regulations, industry best practices, and internal policies.
• Identify and mitigate any risks associated with the debt sale process, including reputational, financial, and operational risks.

Process Improvement & Innovation:

• Identify and implement process improvements to enhance the efficiency and effectiveness of debt sale activities.
• Leverage technology and analytics to improve the predictive accuracy of debt sale models and identify new opportunities for optimization.

Key Requirements of the Debt Sale Strategy Manager

Experience:

• 4+ years of experience in debt sale strategy, collections, or a related role within the consumer finance, banking, or fintech industries.
• Strong understanding of debt sale processes, portfolio management, and risk analysis.
• Familiarity with UK debt collection and consumer credit regulations (e.g., FCA, GDPR).

Skills:

• Strong analytical skills with experience in data-driven decision-making and portfolio management.
• Excellent negotiation skills and the ability to manage external relationships effectively.
• Advanced proficiency in Excel, with experience in financial modeling and performance reporting.
• Knowledge of debt sale platforms and vendor management.

Education:

• Degree in Finance, Business, Economics, or a related field preferred, or equivalent practical experience.

Personal Attributes:

• Strong attention to detail and ability to manage multiple priorities in a fast-paced environment.
• Proactive, self-starter with a results-driven mindset.
• Excellent communication and interpersonal skills, with the ability to collaborate across teams and influence stakeholders at all levels.

Why Join Us?

• Impact: Play a key role in a high-growth fintech company that’s revolutionising consumer credit in the UK.
• Culture: Work with a dynamic, forward-thinking team that values innovation, collaboration, and continuous learning.
• Growth Opportunities: With rapid expansion comes ample opportunity for career development and progression.

If you are a strategic thinker with a passion for driving results, optimising processes, and working in a fast-paced environment, we’d love to hear from you. Apply now to join a company that’s shaping the future of consumer finance.