At a Glance
- Tasks: Review and validate AI debt collection processes, ensuring compliance and effectiveness.
- Company: Join a fast-growing fintech startup revolutionising debt recovery with AI.
- Benefits: Flexible hours, competitive pay, and fully remote work.
- Other info: Engage as a consultant/advisor with a flexible commitment of 5-20 hours per month.
- Why this job: Shape the future of debt collection while working with top banks and innovative technology.
- Qualifications: 5+ years in collections, managerial experience, and native English speaker.
The predicted salary is between 5 - 20 £ per hour.
Murphy AI is a next-generation debt collection platform powered by artificial intelligence, designed to optimize recovery rates while maintaining respectful and personalized communication. Our advanced automation streamlines the process of collecting overdue invoices for businesses, providing a seamless and effective solution.
At Murphy AI, we're tackling one of the toughest challenges in fintech: making debt recovery more efficient, autonomous and scalable. Our AI-powered agents adapt instantly, engaging with debtors across channels like voice, email and SMS to maximize results while preserving trust. By combining advanced artificial intelligence with powerful automation, we're setting a new standard for how businesses recover payments.
As a fast-growing startup that has already made an impact within less than a year in the market, we are building a talented team to scale our operations and drive our vision forward.
About the Role
Murphy is building the AI agents that will run real collections conversations for banks, lenders and collection agencies across the UK — and we need people who've actually done the job to make sure our AI does it right. We're recruiting Debt-Collection Experts to join our advisor network in a consultant/advisor capacity: no full-time commitment, just your judgment and experience, paid by the hour (roughly 5-20 hours per month).
You’ll work directly with Murphy's product and AI teams to pressure-test how our voice agents negotiate, cascade, and stay compliant — bringing the floor-level and strategic reality of the UK collections into how we design and train our technology.
Responsibilities
- Domain Review & AI Validation
- Review call flows, scripts and negotiation logic used by Murphy's AI agents and flag anything that doesn’t match how a real collections desk would handle it.
- Validate cadence, cure-rate assumptions, settlement/negotiation ranges, and escalation paths against real-world practice.
- Stress-test edge cases: disputes, renegotiation, hardship, repeat promises-to-pay, and regulatory triggers.
- Compliance & Local Nuance
- Flag anything that could create compliance risk under British consumer-protection rules.
- Advise on tone, channel mix and contact-frequency norms considered acceptable vs. abusive in the UK market.
- Knowledge Transfer
- Join periodic working sessions (calls/async review) with Murphy's product and engineering teams.
- Share real examples, scripts and playbooks from your own collections experience (anonymized, no client data).
What We’re Looking For
We're recruiting across two profiles:
- Bank in-house collections leaders — you've owned the creditor-side process: placement strategy, make-vs-buy decisions, and portfolio oversight.
- DCA / servicer / BPO collections & contact-centre managers — you've run the floor: cadence, scripts, cure rates, and agent incentives.
And you likely also have:
- 5+ years of experience in collections.
- Current or recent (≤2 years) experience at a named bank, DCA, servicer or BPO.
- A title of Manager, Team Lead, Head, Director or VP (front-line agent/officer/advisor titles only qualify if you've since moved into managing a team).
- English Native speaker.
The Engagement
Format: consultant/advisor, paid hourly.
Time commitment: approx. 5-20 hours/month, flexible around your schedule.
Fully remote.
Why Join
- Shape how AI actually collects debt at some of the world's top banks.
- Flexible, low-commitment engagement that fits around your current job.
- Work directly with a founding product/AI team backed by Northzone, ElevenLabs and Lakestar.
- Competitive hourly consulting fee.
Debt Collections Advisor - UK employer: Getmurphy
At Murphy AI, we pride ourselves on being an exceptional employer that champions innovation and flexibility. As a fast-growing startup in the fintech sector, we offer our employees the unique opportunity to shape the future of debt recovery while enjoying a competitive salary, stock options, and a hybrid work environment that promotes work-life balance. Our commitment to personal and professional growth, coupled with local benefits tailored to enhance your lifestyle in the UK, makes Murphy AI a truly rewarding place to build your career.
StudySmarter Expert Advice🤫
We think this is how you could land Debt Collections Advisor - UK
✨Tip Number 1: Tap Into Professional Networks
The finance world loves a good connection, so jump into industry-specific groups on platforms like LinkedIn where you can find discussions on financial controlling. Engaging in these communities can expose you to hidden job leads that aren't openly advertised!
✨Tip Number 2: Attend Finance Events and Conferences
Make it a mission to attend finance-related events and conferences, even virtual ones! This is a golden opportunity to network face-to-face with people from companies like Getmurphy. You never know who might be your next boss or a crucial contact!
✨Tip Number 3: Showcase Your Expertise
Consider writing articles or sharing insights related to financial controlling or industry trends. Publish these on platforms like LinkedIn to establish yourself as a knowledgeable player in the field. This not only increases your visibility but also catches the attention of recruiters from Getmurphy.
✨Tip Number 4: Apply Directly on Company Websites
Since you're going for a full-time gig, don't forget to keep an eye on the careers page of companies you're interested in, like Getmurphy. Many companies prefer candidates who apply through their website as it shows genuine interest and makes your application stand out!
We think you need these skills to ace Debt Collections Advisor - UK
Some tips for your application 🫡
Show Off Your Numbers Game:In financial controlling, detail is everything! Make sure your CV showcases your proficiency with numbers—highlight any relevant experience in budgeting, forecasting, or working with financial software. Quantifying your past achievements will make you stand out, so don’t be shy about flaunting those impressive percentages or cost savings you've implemented.
Tailored Cover Letter is Key:Your cover letter is a chance to shine, especially for a full-time role. Use it to express your genuine interest in Getmurphy and the specific impact you hope to make in financial controlling. Mention any relevant qualifications or experiences that align with the company’s goals, and don’t forget to show that you're ready for a long-term commitment!
Certifications Matter:List relevant certifications such as ACCA or CIMA on your CV. These qualifications not only showcase your dedication to the field but also your technical competence in financial principles. If you have any ongoing training or courses, make sure to mention those as well to demonstrate your commitment to continual learning in financial controlling.
Don’t Overlook Soft Skills:While numbers are crucial, so are those soft skills! Financial controllers need strong communication and analytical reasoning abilities. We recommend embedding examples of these skills in your CV and cover letter, like how you’ve successfully delivered financial reports to stakeholders or collaborated with teams to improve processes. Let’s show Getmurphy how you can be a team player!
How to prepare for a job interview at Getmurphy
✨Brush Up on Technical Skills
Make sure you're comfortable with key financial concepts, especially around forecasting, budgeting, and variance analysis. Sometimes, interviewers may throw in technical questions or case studies, so practicing these types of scenarios will help you shine!
✨Showcase Your Financial Acumen
If you've had experience with specific financial software like SAP or Oracle, make it known! Be ready to discuss how you used these tools to improve processes or reporting, as this hands-on knowledge can really set you apart in a full-time role with Getmurphy.
✨Know Your Numbers
In full-time interviews, especially in financial controlling, be prepared for numerical reasoning tests or questions. Brush up on your mental maths and understand how to interpret and analyse financial statements on the spot, as this may come up during the assessment.
✨Connect with Company Goals
Familiarise yourself with Getmurphy's financial objectives and any recent developments. During the interview, try to weave your understanding of their business model and challenges into your answers—this shows your genuine interest and alignment with their goals!
