Job Description

About our Company:

LemFi (YC S21, Series B) is revolutionizing cross-border financial services for immigrants through its multi-currency platform, processing over $1 billion in monthly transactions. We provide instant remittances, foreign exchange services, and multi-currency accounts, all in one seamless experience.


With 300+ employees across 15+ countries, our platform supports twelve currencies and integrates directly with local banks and mobile money providers, ensuring fast, low-cost transactions. But we're not stopping at payments. LemFi is building a comprehensive financial ecosystem empowering immigrants with the financial tools they need to thrive--wherever they go.

Our vision:

To build the first full-stack financial services hub for the world's immigrant population.

Who you are:

You are a candidate who would thrive in a fintech startup environment like ours, where we readily accept individuals with a humble, yet uplifting attitude alongside a diligent sense of work ethic. The teams here at LemFi are passionate about their work and expertise, but also lend hands on cross-functional responsibilities to ensure the success of the company and the satisfaction of our clientele.

Job Summary:

At LemFi we are building a credit product that is fair, transparent, and accessible. We are now looking for a collections leader to guide us on this journey. This is a unique opportunity to design, build, and scale a collections function from the ground up, bringing together strategy, technology, and customer-focused operations to deliver strong customer outcomes and business results.

Responsibilities are as follows:

Build and own the collections strategy across pre-arrears, early arrears, late arrears, and recoveries, covering all credit products.


Set up tooling and platforms by selecting and implementing collections technology, workflow engines, and AI-driven engagement tools.

Use analytics and AI to improve decisioning, segmentation, repayment plans, and identification of customer vulnerability.

Lead operations directly in the early stages, then recruit and manage a high-performing team across operations and vendor management.

Own collections and recoveries quality assurance and controls, ensuring compliance with FCA Consumer Duty, Treating Customers Fairly, and vulnerability frameworks.

Work with product and design to create collections journeys that are seamless and customer-focused.

Represent collections at senior level, presenting performance, risks, and outcomes to leadership and external stakeholders.
Build and manage relationships with debt collection agencies, debt purchasers, and other external partners.

Requirements:

You have significant experience in collections and recoveries within consumer lending. You have built or transformed a collections function and are comfortable being the first hire to set it up. You are hands-on with data and analytics and are comfortable interpreting and digging into data to find the why. You are curious about how AI can improve collections performance and customer outcomes. You have a strong understanding of FCA regulations, Consumer Duty, and quality assurance frameworks. You are comfortable engaging with external partners such as DCAs and debt purchasers. You are excited by the opportunity to build and grow a team as the business scales. * #LI-Remote