About this role
Role Overview
The Senior Collections Agent position at iwoca in Berlin is a full-time opportunity within the German Operations division. This role suits an experienced financial professional with a customer-first mindset who can negotiate complex debt recovery and restructuring cases.
Key Responsibilities
As part of the collections team, the successful candidate directly manages a dedicated portfolio of high-stakes client accounts. Responsibilities include negotiating tailored restructuring and settlement solutions that balance borrower support with optimal commercial outcomes. The role requires independent financial evaluations, strategic decision-making outside of standard recovery procedures, and the identification of critical risk factors for seamless case escalations. Additional duties involve onboarding and mentoring new team members, driving cross-departmental projects to optimize collection workflows, and integrating practical AI tools to streamline operational challenges and enhance output quality.
Requirements
Candidates must hold completed commercial or legal vocational training, or a degree in Business Administration, Law, or a related field. Essential qualifications include multiple years of experience in a customer-facing role within financial services or fintech, alongside a proven track record in end-to-end collections and debt recovery. A working knowledge of German dunning, enforcement, and insolvency law is required to assess commercial impacts. Applicants must demonstrate fluency in German (C1 level) and strong English language skills. Essential competencies include strong negotiation skills, empathy combined with assertiveness, resilience under pressure, and comfort using AI tools for problem-solving and productivity.
Nice to Have
Familiarity with cross-functional project management and prior experience mentoring colleagues within a financial or legal operational setting are considered advantageous.
Skills and Tools
This position values strategic financial analysis, AI tool integration for workflow optimization, risk identification, and structured communication. Team members leverage modern technology infrastructure and various internal software platforms to maintain efficiency and drive productivity.
Salary and Benefits
Annual compensation ranges from €50,000 to €66,000, determined by qualifications and experience. Employee benefits include 26 days of annual vacation plus a birthday day off, a one-month fully paid sabbatical after four years of service, and a company pension with Canada Life. Wellness offerings feature mental health support via OpenUp, heavily subsidized gym memberships for Fit711 or Urban Sports Club (€25), and a €30 monthly contribution towards the Deutschlandticket. Additional perks comprise annual company ski and summer trips, a learning and development budget with a book allowance, German language learning funds, fully stocked office fridges with snacks and drinks, a paid volunteer day, and corporate discounts.
About the Company
iwoca operates through iwoca to provide flexible, data-driven finance solutions that help small and medium-sized enterprises grow and succeed. The organization fosters a collaborative, merit-based culture where the best ideas win, independent thinking is encouraged, and artificial intelligence powers smarter workflows. Operating across international hubs including London, Leeds, Berlin, and Frankfurt, the company champions an inclusive office environment supported by community-led groups and regular team events.
How to Apply
Interested candidates should submit their application directly on the official company careers page.
Questions candidates ask
What is the salary range for the Senior Collections Agent role?
The salary range for this position is between 50,000 and 66,000 EUR per year, with regular performance and salary reviews.
Where is the job located?
The role is based in the Berlin office, located in Prenzlauer Berg.
What language proficiency is required?
Fluent proficiency in German at a C1 level is required, alongside strong English skills for international team collaboration.
What experience is necessary to apply?
Applicants need multiple years of experience in a customer-facing role within financial services or fintech, along with a background in collections, debt recovery, or relevant commercial/legal training.
What benefits are provided with this position?
Benefits include 26 vacation days plus a birthday day off, a fully paid sabbatical after four years, mental health support, gym membership contributions, pension plans, learning budgets, and company-sponsored ski and summer trips.