Job Description

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 analytically strong candidate to lead our customer repayment strategy, driving initiatives that improve repayment performance and reduce customer default rates while ensuring fair and appropriate outcomes for our customers.This critical role within the Commercial team balances growth, profitability, and compliance, working across product, risk, finance, and compliance teams to ensure sustainable portfolio performance and good customer outcomes.

Responsibilities

• Managing communications strategy to re-engage customers in arrears

• Utilising multiple communication channels (email, SMS, push notifications, dialler)

• Utilising internal data, external data and models to segment customers into groups and design treatment strategies

• Proactively identifying signs of financial difficulty and engaging customers prior to arrears to reduce missed payments

• Identifying opportunities to use additional third-party data sources to aid collections strategies

• Coordinating with third parties that supply communication channels

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 strategic thinker

• Proven expertise in pricing, credit line management, collections strategy, and debt portfolio sales.

• Advanced analytical skills, including financial modelling and credit risk assessment is beneficial.

• Strong SQL skills - able to self-serve with their own data

• Excellent stakeholder management, communication, and negotiation skills.

• Experience in fintech or fast-growing financial services preferred.