Recoveries Strategy Manager

Onmo believes that everyone has the right to access, understand and manage their money with confidence. Our ambition is to improve lives by providing better clarity, intelligence and technology to empower every individual in making the smartest financial decisions. We may be young but we have an incredible team in place and big ambitions for the years ahead. We design our products to help demystify money matters wherever possible, providing customers with more financial control and flexibility in their lives. This helps them get more from what they have, or with smart decisions, make more of the same. It also means people spend less time with the negative aspects of money and more on the positive - enjoying what the world has to offer. About the Role We are seeking a commercially astute and strategically strong candidate to lead our customer recovery strategy, with accountability for increasing recovery rates while ensuring customers are treated fairly throughout the collections journey. This role focuses on working strategically alongside external suppliers and has relationship management at its core. Responsibilities Owning relationships with panel of debt collection agencies and debt purchasers Identifying strategic opportunities to drive recovery rate Implementing segmentation for recoveries strategies Negotiating commission rates and other commercial relationships with suppliers Operate a strong control environment on: payments and invoicing account statuses live listing placements and closures minimising buybacks and unexpected costs Identifying opportunities to onboard new and additional suppliers that will add strategic value Qualifications & Experience 7+ years’ experience in commercial, portfolio, or collections management within consumer credit, preferably credit cards. Strong knowledge of FCA consumer credit regulation, including responsible lending, collections, and debt sale practices. Strong track record with relationship management, with the ability to onboard, communicate, and negotiate with suppliers. Strong strategic business thinker Proven expertise in collections and recoveries strategy. Experience in fintech or fast-growing financial services preferred.