US Collections Analyst

About the role

The role is to manage a portfolio of merchant accounts across various stages of delinquency, contact merchants to resolve outstanding balances, and contribute to overall portfolio outcomes. This is a great opportunity for someone looking to build their career in fintech within a high-growth, performance-driven organization.

Key Responsibilities

• Manage a portfolio of merchant accounts across various stages of delinquency.
• Contact merchants via phone and email to resolve outstanding balances and support repayment.
• Build professional relationships with merchants and handle sensitive conversations with confidence and empathy.
• Negotiate and implement payment solutions aligned with merchant circumstances and business objectives.
• Maintain accurate and detailed records of all account activity within internal systems.
• Handle a high volume of tasks while maintaining strong attention to detail and organization.
• Audit account risk and escalate appropriately based on complexity, exposure, and stage within the collections process.
• Partner with internal teams to support account resolution and ensure the timely progression of complex cases.
• Use available account data and payment behavior to prioritize follow-up and support effective decision-making.
• Contribute to a positive, accountable, and results-driven team environment.

Skills, Knowledge & Expertise

• 5+ years of experience in accounts receivable, collections, credit control, or debt recovery.
• Strong written and verbal communication skills.
• Ability to manage challenging conversations in a professional and solution-oriented manner.
• High attention to detail and accuracy across systems and documentation.
• Strong organizational and time management skills.
• Ability to work effectively in a fast-paced, target-driven environment with clear ownership of individual performance.
• Proficiency in Microsoft Excel and Office tools.
• Reliable, proactive, and team-oriented approach.
• Desirable Traits: Experience in fintech, financial services, or lending environments; Exposure to collections and recoveries across different stages of arrears; Experience managing higher-value or more complex accounts; Familiarity with legal escalation, third-party collections, or recovery processes; Comfort working with data to guide prioritization and follow-up; Adaptable and comfortable working in a high-growth environment; Strong sense of ownership and accountability; Positive attitude with a willingness to learn and grow.

Job Benefits

• Award-Winning Workplace: Recognized as one of the “Best Places to Work in 2024 and 2025” by the Sunday Times.
• Award-Winning Fintech: Recognized as a “Top 250 Fintech Worldwide” company by CNBC.
• High-growth (>100% growth during 2022 and 2023), so clear outlook to compensation (bonus or share option appreciation) and career growth (through growth with the business).
• Well-capitalized with supportive private equity backing.
• Part of Banking Circle Group with a fully licensed Luxembourg bank, which can provide a balance sheet and support European expansion in otherwise complex regulated markets.
• Motivating work environment: High-quality team that pushes each other to succeed through direct feedback and aligned incentives; Strong and transparent team culture, we have each other’s backs.
• Independent work environment where results matter; Data-driven culture and emphasis on speed (anti-red tape).
• Comprehensive benefits package that includes:
• Health Care Coverage (80% covered by YouLend, 20% employee contribution)
• Medical Plan (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
• Paid Time Off (PTO)- 20 working days (4 weeks) + US public holidays
• Paid Office Parking