Senior Manager, Credit & Collections

About the role

You will architect and execute the global collections strategy for Keyloop, owning the full customer journey from initial delinquency through to resolution and write-off where appropriate. You will lead a centralised Shared Services model based in Prague, setting the operational direction for a high-performing team that spans multiple regions and time zones. In this position, you will be the primary owner of credit risk mitigation, ensuring that our policies and procedures protect the business while maintaining excellent customer relationships. You will partner deeply with Finance, Sales, and Customer Teams to balance commercial growth with robust financial controls and healthy cash flow. Your day-to-day will involve interpreting complex data, identifying patterns in customer behaviour, and turning these insights into proactive strategies that reduce bad debt and improve collection rates. You will own the end-to-end collections process, ensuring standardised procedures are followed consistently to create a scalable and predictable function for the business. You will drive continuous improvement across the credit lifecycle, implementing best practices and leveraging technology to enhance efficiency and effectiveness. Ultimately, you will be responsible for delivering measurable financial outcomes by maximising cash collections and minimising exposure across the entire portfolio.

Key facts

What you'll do

Develop and implement a comprehensive global collections strategy that aligns with Keyloop's business objectives and risk appetite.

Lead the end-to-end management of the collections portfolio, overseeing case progression, prioritisation, and resolution from initial contact through to settlement or write-off.

Build and manage a high-performing centralised Shared Services team, focusing on recruitment, development, performance management, and adherence to strict operational standards.

Establish and own key performance indicators and metrics, providing regular insights and reports to senior leadership on collection performance, risk trends, and cash flow impact.

Partner with Finance to ensure accurate application of credit policies, payment terms, and reconciliation processes, safeguarding the integrity of financial records.

Collaborate with Sales and Customer Success teams to escalate complex commercial disputes and negotiate sustainable repayment plans that preserve customer relationships.

Analyse portfolio performance data to identify risk hotspots, assess customer creditworthiness, and recommend adjustments to credit limits or terms where necessary.

Drive the adoption of technology and automation within the collections workflow to improve efficiency, reduce manual effort, and ensure a consistent customer experience.

Champion a customer-centric approach to recovery, ensuring all communications are professional, empathetic, and aligned with Keyloop's brand values.

Ensure full compliance with relevant legal and regulatory requirements across all jurisdictions where Keyloop operates, mitigating any potential legal or reputational risk.

Lead root cause analysis of delinquencies, working cross-functionally to address systemic issues that contribute to payment failures or extended arrears.

Own the governance of the credit control function, ensuring that policies, procedures, and documentation are up to date and support sustainable business growth.

Champion data-driven decision making, using insights to optimise resource allocation and focus efforts on the highest impact recovery opportunities.

Act as the central point of ownership for the collections function, providing clear direction, coaching, and leadership to ensure team success and accountability.

Requirements

You possess a Bachelor's degree in Finance, Economics, Business Administration, or a related quantitative field; a Master's degree or professional certification in credit management is a distinct advantage.

You have a proven track record of at least seven years in credit management, collections leadership, or a similar senior financial control role, with increasing responsibility over team size and portfolio value.

You have successfully managed a portfolio of significant commercial risk, demonstrating your ability to balance aggressive recovery targets with the preservation of customer relationships.

You hold a strong understanding of credit risk assessment, financial analysis, and portfolio performance metrics, with the ability to interpret complex data and translate it into actionable strategies.

You have hands-on experience with credit control systems and collections technology platforms, including their configuration, reporting, and integration with broader financial systems.

You are fluent in English, both written and verbal, and possess strong communication skills; proficiency in an additional European language is highly valued for cross-regional collaboration.

You have a demonstrated history of building, leading, and developing high-performing teams, with experience in performance management, coaching, and talent development.

You operate with the highest level of integrity, demonstrating sound judgment and discretion when handling sensitive financial and customer information.

You are comfortable working within a fast-paced, dynamic environment, showing resilience and adaptability when managing competing priorities and tight deadlines.

You have a strong commercial acumen and a deep understanding of how credit decisions impact business growth, profitability, and customer satisfaction.

Nice to have

Experience working in a global B2B environment with complex sales structures and multi-jurisdictional compliance requirements.

Knowledge of automotive or mobility industry financial models and dealership/manufacturer payment structures.

Familiarity with Keyloop's technology platform and API-driven ecosystem is advantageous for integration and process alignment.

Experience implementing data-driven collections strategies using advanced analytics and segmentation techniques.

Practical notes

This role is based in our Prague office, and candidates must be able to work from this location.

Standard working hours apply, with flexibility to collaborate across different time zones as required for global coverage.

Travel is minimal but may be required for occasional meetings with regional teams or clients.

Visa sponsorship is not applicable for this role as the location is within the EU.

The position is open until filled, and the start date will be determined based on the successful candidate's availability.