Financial Health Lead (Fintech)

TL;DR

Financial Health Lead (Fintech): Leading the delivery of financial health journeys and capabilities across lending products in the EU with an accent on collections, recoveries, and regulatory compliance. Focus on balancing positive customer outcomes with credit loss mitigation and navigating the complex EU regulatory landscape.

Location: Hybrid (Madrid or Barcelona, Spain)

Salary: €94,000–€114,300 ➕ Incentive Awards

Company

A challenger bank on a mission to make money work for everyone by disrupting traditional banking.

What you will do

• Lead Financial Health initiatives in the EU, ensuring compliant delivery of journeys for lending products.
• Collaborate with UK teams to localize policies, strategies, and analytics for European markets.
• Navigate the EU regulatory landscape to ensure practices align with risk appetites and regional laws.
• Own Collections and Recoveries outcomes to balance portfolio performance with customer needs.
• Partner with product and tech squads to shape in-app features for customers in financial difficulty.
• Analyze customer behavior with data analysts to optimize financial health strategies.

Requirements

• Direct experience leading collections and recoveries strategies for a regulated lender in Europe.
• Strong understanding of the role of collections within a credit risk strategy.
• Deep knowledge of European consumer credit regulations.
• Must be based in Madrid or Barcelona (Hybrid).
• Proficiency in European languages, particularly Spanish (preferred).

Culture & Benefits

• Competitive salary range with performance-tied incentive awards.
• 38 days of annual leave, including public holidays.
• €1,200 annual learning budget for books, courses, and conferences.
• Private healthcare scheme and comprehensive wellbeing benefits (mental health, coaching, and counselling).
• Flexible working hours based on trust and team alignment.

Hiring process

• Initial call with a recruiter.
• Video call with the Hiring Manager.
• Interview loop consisting of 2-3 interviews.