Defacto is a Paris-based, ACPR-regulated lender that provides instant working-capital financing to European SMBs, financing invoices, inventory and cash-flow gaps through a fully online process and embedded partner integrations. As Collections Manager, you will own the recovery of outstanding receivables across a fast-growing loan book, balancing firm, compliant collections with a customer-first relationship with the small businesses Defacto finances.
Missions
- Own the end-to-end collections process for late and defaulted financings, from first reminder to amicable recovery and, where needed, litigation.
- Define and continuously improve collections strategies, cadences and segmentation to maximise recovery while protecting the customer relationship.
- Manage relationships with external partners (collection agencies, lawyers, insurers) and monitor their performance.
- Track key portfolio indicators (delinquency, roll rates, recovery rates) and report to risk and leadership teams.
- Work with Product, Data and Risk to automate collections workflows and feed learnings back into credit decisioning.
- Ensure compliance with regulatory and internal requirements throughout the recovery process.
Profile
- Several years of experience in collections, credit recovery or credit risk, ideally in fintech, lending, factoring or a bank serving SMBs.
- Strong understanding of French amicable and judicial recovery procedures.
- Analytical and process-driven, comfortable with data and spreadsheets.
- Excellent communicator able to handle difficult conversations with tact and firmness.
- Hands-on, autonomous and at ease in a fast-moving startup environment.
- Fluent in French and English.
