Senior Underwriter and Collections Analyst



Marketing & Communications, IT
Portugal · Spain · United Kingdom
Posted on Thursday, May 30, 2024

What we stand for is delegated company spending. And on the face of things, that might not sound exciting. But, to our customers and us, it really is. We believe that the way that work works today is outdated. We think companies can delegate to their employees more - to support their autonomy and show them trust. To speak to this, we provide smart credit cards for businesses. No more expense reports, no more out-of-pocket spending. This puts trust in employees so that they can buy what they need when they need it. Future of work stuff, you know?

What’s more, we’re passionate about investing in our people, our processes and our product offerings, which is why we’ve recently launched our Credit domain. Domains are autonomous areas of the business made up of cross functional teams that are responsible for tackling particular problems or opportunities that enable our vision.

The credit domain empowers users with better cash flow and ensures they can rely on Pleo for their most critical spending needs. The domain aims to create end-to-end ownership of Credit products and capabilities. We own the design of credit products, risk and financial appetite, revenue model, and infrastructure that is required to deliver it.

By learning from customers’ spending behaviours, we can predict when a customer needs credit at the moment, which is most needed by companies. It also allows us to set the credit terms that fit best their needs. We see credit both as a product and as a set of capabilities that will help us unlock more value in other products across Pleo.

For us to do this successfully, we’re looking for someone to take control of collections and portfolio monitoring, to minimize our losses and ensure we can continue to offer customers the best version of the Pleo product.

Who we're looking for:

  1. A solution driven leader, who is able to autonomously overcome challenges and solve problems or blockers, always passionate about getting stuff done
  2. A great communicator, who can create relationships, convince others with their ideas and simplify complex topics
  3. A resilient manager, who can overcome difficulties and challenges, bad days or disappointing results
  4. A person eager to learn, strives for constant improvement and not afraid to fail

You will also be responsible for:

  • Underwriting applications for large credit facilities which don’t fall within our automated solutionsManaging the collections and portfolio monitoring team(s) in the credit domain
  • Feeding into our credit risk Devising the strategy, as well as all relevant processes for the team and its members
  • Providing business requirements to Product Managers and Operations Managers, automating manual processes and achieve higher efficiency
  • Maximizing our recovery rate and minimizing our loss rates
  • Analyzing the health of our portfolio, identifying where decisions we make or processes we follow require improvement
  • Internationalizing our collections team, analyzing and deciding how we provide collections and portfolio monitoring capabilities in each geography we go to

We believe you'll thrive in this role if you:

  • Have managed teams before which were responsible for well defined KPIs, tracked performance and found ways to improve those
  • Have strong experience of several years in underwriting, credit risk management and/or collections working in collections within lending or credit control, in the SME space (as opposed to consumers)
  • Have worked with partners and suppliers in the past, comfortable with managing relationships and negotiating terms as well as track their performance and optimize those
  • Are familiar with the legal and regulatory environment of debt collections in European countries (the more the better), and interested in learning more about more
  • Have monitored performance of portfolios of debt before, optimized for recovery and repayments
  • Have devised or assisted devising a collection strategy for your team/company
  • Able to constantly improve credit risk management frameworks and policies to optimize default rates

Show me the benefits!

  • Your own Pleo card (no more out-of-pocket spending!)
  • Lunch is on us - with catering in our Lisbon, Copenhagen and London offices or a monthly lunch allowance paid directly together with your salary in other markets 🍜
  • Private health insurance to ensure you’re fit in body and mind to do your best work
  • We offer 25 days of holiday + your public holidays
  • For our CashFlow we offer fully remote working
  • Option to purchase 5 additional days of holiday through a salary sacrifice
  • Wellbeing days - fully paid days off designed for a slower pace, allowing you to take time to recharge and prioritise self-care
  • We’re trialling MyndUp to give our employees access to free mental health and wellbeing support with great success so far ❤️‍🩹
  • Access to LinkedIn Learning - acquire new skills, stay abreast of industry trends and fuel your personal and professional development continuously
  • Paid parental leave - we want to make sure that we're supportive of families and help you feel that you don't have to compromise your family due to work 👶
  • All of us have a stake in Pleo’s success - ask us about our equity grant scheme

Why join us?

Working at Pleo means you're working on something very exciting: the future of work. Our mission is to help every company go beyond the books. Pleo itself means ‘more than you’d expect’, and it’s been the secret to our success over the last 8 years. So it’s only fitting that we’d pass this philosophy onto our customers to help them make the most of their finances.

We think company spending should be delegated to all employees and teams, that it should be as automated as possible, and that it should drive a culture of responsible spending. Finance teams shouldn’t be siloed from the rest of the organisation – they should work in unity with marketing, sales, IT and everyone else.

Speaking of working in unity, our values tell the story of how we work at Pleo. We have four core values, the first of which is ‘champion the customer’, which means we address real pain points that businesses face. Next up is ‘succeed as a team’, which highlights how our strength lies in our diversity and trust in each other. We also ‘make it happen’ by taking bold decisions and following through to deliver results. Last but not least, we ‘build to scale’, creating lasting solutions that address today’s challenges and anticipate tomorrow’s needs.

So, in a nutshell, that's Pleo. Today we are a 850+ team, from over 100 nations, sitting in our Copenhagen HQ, London, Stockholm, Berlin, Madrid, Montreal and Lisbon offices —and quite a few full-time remotes in 35 other countries! Being HQ'd out of Copenhagen means we're inspired by things like a good work-life balance. If you don't work in the office with us, we'll help you set up the best remote setup possible and make sure you still have time to connect with your team.

About your application

  • Please submit your application in English; it’s our company language so you’ll be speaking lots of it if you join 💕
  • We treat all candidates equally: If you are interested please apply through our application system - any correspondence should come from there! Our lovely support isn't able to pass on any calls/ emails our way - and this makes sure that the candidate experience is smooth and fair to everyone 😊
  • We’re on a mission to make everyone feel valued at work. That’s only achievable if our team reflects the diversity of the world around us - and that starts with you, hitting apply, even if you are worried you might not tick all the boxes! We embrace and encourage people from all backgrounds to apply - regardless of race/ethnicity, colour, religion, nationality, gender, sex, sexual orientation, age, marital status, disability, neurodiversity, socio-economic status, culture or beliefs.
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