Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are.
That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.
We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.
We are looking for a Senior Collections Manager (m/f/d) to join our Collections Team within the German Operations division at iwoca, a fast-growing fintech.
Driven by a true "customer-first" mindset, your core responsibility will be negotiating directly with business owners who are facing difficulties repaying their loans. Drawing on your extensive experience, you will take ownership of high-stakes cases—those involving large balances, multiple stakeholders, and complex restructuring or settlement agreements rather than standard payment plans. You will work closely with our paralegals, legal counsel, and cross-functional iwoca teams (such as Account Management and Credit Risk).
In this role, you will manage your own client portfolio, directly impact the performance of iwoca Germany, and serve as the go-to expert for high-level decision-making within the team.
In this role you’ll manage a dedicated client portfolio, negotiating restructuring and settlement solutions that balance client support with optimal commercial outcomes for iwoca. You’ll evaluate financial situations independently and tailor your strategy, deviating from standard recovery procedures whenever sound commercial reasoning supports it.
Essential:
We expect to pay from 50,000 - 66,000 EUR for this role. But, we’re open-minded, so definitely include your salary goals with your application. We routinely benchmark salaries against market rates, and run quarterly performance and salary reviews.
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective.
We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.
We put a lot of effort into making iwoca a great place to work:
And to make sure we all keep learning, we offer:
iwoca was founded to expand possibilities for small businesses.
At iwoca, we believe finance should feel like a superpower, not a headache. That’s why our founders, Chris and James, decided to create a solution custom-built for small businesses. One that strips out the hassle, gets to know what each business needs, and looks for opportunities rather than problems. One that provides access to finance where and when your business needs it.
Our partner integrations and our Lending API mean we can provide access to finance where and when small businesses need it. Our award winning credit risk engine help us make faster, more accurate credit decisions built around the performance of the business.
We are proud to be NACFB Lender of the year, Xero Financial Services App of the year and, most recently, winner of the £10m Banking Competition Remedies grant.
Since 2012, we’ve made funding available to over 50,000 businesses, from cafés to car dealers, salons to solicitors. But we’ve only just started. Our mission is to fund one million small businesses.
