Head of Collections, US

YouLend•Atlanta, GA

18h•Onsite

About The Position

YouLend is hiring a Head of Collections, US to take ownership of collections performance across the US. The business is rapidly expanding in the market (+100% growth year on year) and as such it puts increasing emphasis on the Collections team’s abilities. This is a build role rather than a caretaker role. You will inherit a small, capable team of five agents, which has been through significant transformation over the past six months. Your job is to come in and supercharge the team, while enabling future scalability as the business grows. As such, the ideal candidate will first (1) come in and build strong hiring, onboarding, and training processes before (2) approaching advanced analytics, segmentation, contact strategy, and other tactical performance levers. You will own the numbers outright. Cure rates, repayment speeds, cost-to-collect, and losses are yours – and you will be expected to move them. Once accounts hit collections, they are in your portfolio, and you own them. You will lead a small, agile team of five people. The team has mostly been replaced throughout 2026 and has mixed experience levels, with some agents having years of experience and others working in Collections for the first time. The team is dynamic and agile, able to adapt to changes quickly while getting the job done every day. You will report to the Global Head of Collections, who is operating out of London, and will have a high level of autonomy. You will have direct contact with the General Manager of the US and be a central stakeholder in understanding and communicating credit performance. You will work closely with Credit Risk, Finance, Capital Markets, and Technology, and you will be a significant voice in how we invest in collections tooling and automation.

Requirements

Directly owned collections outcomes and KPIs, and can talk through the decisions behind the numbers.
Led a small team, where you hired and trained staff independently.
Track record of developing your people and holding them accountable to high standards.
Been a part of a collections function which has undergone a significant transformation rather than operated in a mature machine.
Operated in the US market and had exposure to regulatory differences across the country.
Comfortable with ambiguity, rapid growth, imperfect infrastructure, and shifting priorities – ideally from a scale-up of a comparable size.
Proactive, act with urgency, and take extreme ownership.

Nice To Haves

Some exposure to the credit and lending domain: delinquency, defaults, recoveries, write-offs, roll rates, cure rates, and credit losses.
Exposure to analytics, and are familiar with using data to make decisions.
Designed and evolved collections strategies, not just executed them.

Responsibilities

Own the metrics which drive portfolio performance in the US, including cure rates, repayment speeds, cost-to-collect, and losses.
Design and continuously evolve segmentation, treatment paths, and contact strategies across the US.
Lead, develop, and upgrade your team, maintaining and developing a performance culture which attracts and retains top performers.
Define the structure, management layers, workflows, governance, and performance cadence the function needs to scale with the business.

Benefits

A market-competitive salary + annual bonus.
Health Care Coverage (YouLend covers 80%; employee contribution is 20% of the premium).
Paid Time Off (PTO): 20 working days (4 weeks) + US public holidays.
Medical Plan (medical insurance and prescription drug coverage) - Choice of 5 different plans through United Healthcare.
Dental plan coverage.
Vision plan coverage.
Retirement - 401K match (Employee match $1 for $1 up to 5% of salary).
Basic Life & AD&D Insurance.
International travel insurance covered if traveling abroad for work purposes.
A values-based culture and a team with exceptional talent and experience.
An office in the heart of Atlanta.
Paid Office Parking.