Collections Representative

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Collection Specialist - German Market for the next phase of growth. About the Role In this role, you will bridge the gap between risk mitigation and customer success by managing late-stage payment workflows for our German business customers. You will have end-to-end ownership over customer interactions, using data-driven insights and direct phone outreach to balance customer satisfaction with financial recovery. This position is vital to protecting Qred’s portfolio quality as we scale across Northern Europe. Key responsibilities Execute high-volume outbound phone outreach to German business customers with overdue accounts to negotiate sustainable payment arrangements. Manage incoming inquiries regarding complex payment plans, account balances, and settlement options. Maintain complete documentation of all customer interactions and financial commitments within our CRM system. Collaborate cross-functionally with Customer Success and Underwriting teams to resolve discrepancies and refine recovery processes. Track incoming payment trends to identify systemic risks and inform data-driven operational decisions. What we’re looking for We are looking for a structured, clear communicator who thrives in a fast-paced fintech environment. You bring a pragmatic problem-solving approach to challenging conversations and demonstrate strong alignment between customer needs and commercial risk management. You are motivated by continuous process improvement and take full ownership of your daily workflows. Qualifications Fluency in German and professional proficiency in English. Experience in customer support, commercial roles, or collections within fintech or regulated financial services is beneficial. Strong communication skills with comfort managing a high volume of direct phone outreach. Structured approach with high attention to detail for tracking data and CRM records. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Onsite