Debt Agent

Collections Agent

Flatpay

ABOUT THE JOB Flatpay is one of Europe's fastest-growing fintech companies and we've recently launched in the UK. ROLE DETAILS Role: Collections Agent Location: 5 days a week – London, White City ABOUT THE ROLE Flatpay is hiring its first dedicated Collections Agent to own the Day 1–60 stage of our UK collections process. You'll be the person making sure leaving customers return their hardware, pay what they owe, and — where they won't — that we escalate effectively.   This is a foundational hire on a brand-new team. You'll be working to shape how collections runs at Flatpay UK, not just executing an existing playbook. RESPONSIBILITIES * Manage the Day 1–60 collections lifecycle for UK merchants — both sole traders and limited companies * Recover hardware (payment terminals) from departing customers and chase returns through to completion * Flag any invoicing errors to ensure our automation-first finance function is included in feedback loops * Run the outbound phone activity — calling customers, negotiating repayment plans, and holding firm where needed * Issue CCJs at the right points in the process, and hand off unresolvable cases to external debt recovery agencies cleanly * Keep clean records on every case and feed patterns back to the business so we can improve upstream (onboarding, contracts, terminations) SKILLS & ATTRIBUTES Must-haves * Hands-on UK debt collections experience covering both sole trader and limited company debt * A background in small-ticket, high-volume B2B collections (comfortable working a large book of smaller accounts at pace) * Experience issuing CCJs and/or managing referrals to external collections agencies * Confident on the phone — you can negotiate, hold the line, and stay composed with difficult customers * Organised and self-directed — this is a new function, so you need to bring structure rather than wait for it Nice to have * Experience working with and recovering debt from vulnerable parties * Background in payments, fintech, or merchant services * Experience helping set up or improve a collections process from scratch WHAT SUCCESS LOOKS LIKE IN THE FIRST 6 MONTHS * A documented Day 1–60 process that's working in practice * Daily/weekly/monthly reporting against targets * Baseline metrics established for hardware recovery rates and cash collected * A clear playbook for when to negotiate, when to issue a CCJ, and when to hand off externally OUR VALUES AT FLATPAY, HOW WE WORK MATTERS AS MUCH AS WHAT WE ACHIEVE. Happy Humans — We bring energy to our work and create teams people enjoy being part of. No Assholes — We perform at a high level while treating colleagues and customers with respect. It's Our Business, Own It — Everyone takes responsibility and manages their work like it's their own business. Start With No — We challenge ideas, think commercially and focus on what truly creates value. Sky-High Ambitions — We set bold goals and expect people to keep raising the bar. The Best Argument Wins — Titles don't decide outcomes. We debate openly to reach the best decisions. BACKGROUND & REQUIREMENTS * Demonstrable UK debt collections experience (sole trader and limited company) * Fluent in English * Right to work in the UK (visa sponsorship is not available for this role) * Able to work from our White City office 5 days a week HIRING PROCESS 1. Application Review — Our Talent Team reviews your CV to assess experience and potential fit. 2. Talent Team Call (20–30 minutes) — A conversation to understand your background and discuss what motivates you. 3. 1:1 Microsoft Teams interview with Manager 4. Offer — Successful candidates receive a fast turnaround to offer.

Collections Agent (m/w/d)

iwoca

The company 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’re looking for a Junior Collections Agent (m/f/d) We are looking for a diligent a Collections Agent to help us maximise collections returns by understanding the customer’s circumstances and ensuring that all actions achieve the best outcome for iwoca and our clients. The role We are seeking an experienced Collections Specialist who will be required to work within a fast-paced, customer focused environment, providing great customer service while maintaining the team’s excellent track record. * Case handling a high volume portfolio of customer accounts in arrears through to completion with varying and unique circumstances * Handling inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and customer service skills * Building relationships with customers through regular contact to validate, understand and resolve breaches of agreements with customers * Negotiate, implement and monitor feasible repayment solutions that take into account the customer's circumstances while balancing the best interests of the business * Work with a wide range of teams within the company to understand, strategise and implement the most appropriate course of action for each account * Working closely with Collections Management and the Head of Collections to review and develop recovery strategies * Instructing, liaising and monitoring third parties such as debt collection agencies and Paralegals to ensure the best outcome is achieved * Ensuring compliance with all appropriate legislation regulatory body guidelines * Adhering to our company policies and procedures * Upholding iwoca’s company reputation at all times * Updating databases and systems in order to keep an accurate record of activities, observations and outcomes within the recovery process The requirements Essential: * Demonstrates curiosity to use and learn more about AI tools. You’ll already be comfortable using AI tools in practical ways to help solve problems, increase productivity and improve quality of work, showing good judgement about when to use them and the ability to explain the reasoning behind that use. * A level of German, C1 that allows you to feel comfortable talking to clients, negotiate arrangements and handle tense situations We look for people who are smart, humble, motivated and who are always looking to improve. Ideally you'll have: * Nice to have 1 year debt recovery experience, ideally in the commercial/business sector * Empathy, forbearance and professionalism * Strong communication skills, accuracy and confidence * The ability to deal with a variety of challenges, innovate and think on your feet * Business acumen, entrepreneurial spirit with real enthusiasm for helping SMEs. Experience within the finance industry is advantageous. The salary We expect to pay from 34.000 € — 46.000 € 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. The culture 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. The offices We put a lot of effort into making iwoca a brilliant place to work: * Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. * Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits * A smart, motivated and international team (we represent over 35 different nationalities) with ridiculous growth-mindset. * 26 days of vacation a year plus a free day for your birthday. * One-month fully paid sabbatical after 4 years. * Mental health support with direct access to certified psychologists via our partner OpenUp. * iwoca takes over a ski chalet in winter so that you and your team can ski or snowboard (and work) for a week. During summer we are drawn to the sun. We’ve been to France, Italy, Spain, and further afield. * Access to the gym membership program, €25 for either Fit711 or Urban Sports Club. * €30 contribution towards the Deutschlandticket. * Company Pension with Canada Life. * Great office locations. In Frankfurt in the middle of the city, our Berlin office is located in Prenzlauer Berg. * A paid volunteer day that gives you the opportunity to invest time to support a charity of your choice. * Corporate Benefits discounts. * ’iwocans’ also benefit from fully stocked fridges in our offices with whatever is needed to strengthen them. There are snacks (both healthy and less healthy) for the whole day. And to make sure we all keep learning, we offer: * A learning and development budget for everyone, including a book budget. * Learning German budget. * Company-wide talks with internal and external speakers. * Access to learning platforms like Treehouse. Useful links: * See iwoca benefits & policies for detail and some additional benefits. * See iwoca interview welcome pack.

Senior AI Agent Engineer - Fully Remote Job

Openprovider

ABOUT THE COMPANY Openprovider is an ICANN-accredited domain registrar and technology company founded in 2004 in Rotterdam, Netherlands. Now we are a team of 110+ people, working fully remotely from all over the world. All Openprovider employees work on a fully remote basis and without any geographical limitations. You don’t have to go to the office each day and deal with traffic or painful commutes. All you need is yourself, a laptop, and a cup of coffee. We support a healthy work/life balance and constantly strive to improve this aspect more and more every day. We support a flexible schedule and are 100% performance and result-oriented. Thanks to a combination of experience and expertise, we enable data-driven decision-making. ABOUT THE ROLE You will be joining a Technology department and work with our main products: RCP (Reseller Control Panel), which is the main user interface our customers interact with; Domains & DNS, including all domain related features like domain registration, domain checker, domain transfers and trades, domain related APIs; and integrations with third party platforms like WHMCS, Blesta, etc. ROLE PURPOSE We are looking for a strong hands-on senior engineer with deep experience in our technical stack (PHP, Go, React) who can understand and navigate large legacy systems, generate structured context from existing codebases, leverage AI tools responsibly for refactoring and modernization, and enable the engineering team to adopt AI-driven workflows to improve agility and robustness. We are seeking a skilled Senior AI Agent Engineer to join our team and provide support in managing back-end processes.  As a Senior AI Agent Engineer, you will be responsible for designing, developing and maintaining high-level software that meet our business requirements. KEY RESPONSIBILITIES 1. Codebase Modernization & Refactoring * Analyze and understand existing PHP and Go services. * Identify technical debt, architectural bottlenecks, and performance risks. * Design and implement structured refactors to improve scalability, maintainability, and security. * Leverage AI tools to accelerate refactoring and system redesign responsibly. 2. AI-Enabled Engineering Workflows * Build structured context pipelines to help AI understand systems. * Develop internal workflows for safer refactors, improved unit testing, and debugging acceleration. * Establish guardrails to ensure AI-generated code meets quality and security standards. 3. Enterprise System Design * Design APIs and services in PHP (Symfony) and Go. * Maintain architectural standards (SOLID, clean architecture). * Improve observability and operational stability. * Ensure alignment with ISO 27001 and security best practices. 4. Team Enablement * Mentor engineers in AI-assisted coding practices. * Define practical AI usage guidelines. * Drive measurable productivity improvements without compromising quality. WHAT WE ARE LOOKING FOR COMPETENCIES: Candidate should have: * 5+ years of strong backend engineering experience. * 1+ years of AI agent assisted software development experience * Deep hands-on experience in PHP (Symfony) and/or Go. * Strong API design experience (REST, gRPC exposure preferred). * Solid database knowledge (MySQL/PostgreSQL). * Experience with Redis, RabbitMQ, Elasticsearch. * Docker, Kubernetes, CI/CD pipelines. * GCP or AWS deployment experience. * Practical experience using LLM tools in engineering workflows. * Strong understanding of SOLID, design patterns, and refactoring strategies. OUR STACK: * Backend: PHP 7+, Symfony, Go * Frontend: React * Databases: MySQL, PostgreSQL * Messaging & Cache: RabbitMQ, Redis, Elasticsearch * Infrastructure: Docker, Kubernetes (GKE), GCP, AWS * Tooling: GitHub, GitHub Actions, Jira, Confluence, Prometheus, Grafana WHAT SUCCESS LOOKS LIKE (FIRST 12 MONTHS) * Legacy modules safely refactored or re-architected. * Improved test coverage across critical systems. * Clear AI usage guidelines adopted across teams. * Reduced debugging and refactoring cycles. * Measurable improvement in engineering agility. NICE TO HAVE * Bachelor's degree in Computer Science, Engineering or related field. * Experience building developer tooling (CLI tools, IDE extensions). * Experience with AST parsing or static analysis tools. * Experience implementing automated test generation. * Experience building guardrails for AI-generated code. * Exposure to orchestration frameworks like LangChain or LangGraph. WHAT WE OFFER * 100% remote work (you can work from any location, no need to go to the office); * Paid time off and sick leave; * International team and regular online and offline events to stay connected; * Internal workshops, and knowledge-sharing sessions; * Quarterly review and annual salary review; * Flexible working hours; * We are ISO 27001-certified remote workplace.