Collections Portfolio Manager

What is this role about?

As the Collections Portfolio Manager at Bondora, you will own the performance, modelling, and strategic steering of our non performing loan portfolio. Your mission is to ensure recovery curves, LGD models, and segmentation frameworks accurately reflect real portfolio behaviour and provide reliable insights for provisioning, pricing, and credit strategy.

This is a high impact analytical and cross functional role. You will work at the intersection of Credit Risk, Finance, and Collections, ensuring alignment between operational recovery actions and portfolio level loss forecasting. Your work will directly influence ECL accuracy, recovery optimisation, and long term portfolio profitability.

• Own and continuously improve recovery curves and analyse cure rates, roll transitions, and cashflow timing across products and markets.
• Lead LGD methodologies and ensure alignment with IFRS9 and ECL requirements in collaboration with Credit Risk and Finance.
• Develop and optimise behavioural segmentation strategies for Collections and Recovery to maximise lifetime recoveries.
• Ensure correct interpretation of default, forbearance, curing, and staging rules in models and portfolio analytics.
• Act as the bridge between Loan Servicing and Credit, translating recovery behaviour into actionable insights for underwriting, pricing, and risk appetite.
• Deliver clear portfolio insights and forecast updates to leadership, highlighting risks, deviations, and improvement opportunities.

What would ensure success in this role?

Success in this role is determined by analytical expertise, process oversight, and data accuracy management.

The ideal candidate will have:

• Strong understanding of NPL portfolio dynamics, recovery modelling, and LGD methodologies within a regulated lending environment.
• Solid knowledge of IFRS9 and ECL frameworks, including staging and default definitions.
• Strong command of SQL/Python or equivalent analytics tooling. Experience with Tableau is a big plus.
• Experience analysing roll rates, cure behaviour, cashflow timing, and long tail recoveries.
• Ability to design and evaluate behavioural segmentation strategies for collections and recovery.
• Strong analytical skills with confidence in working with large datasets and translating insights into strategic actions.
• Experience collaborating cross functionally with Credit Risk, Finance, and Operations.
• Ability to clearly communicate complex modelling logic and assumptions to non technical stakeholders.

This role is opened in Estonia or Latvia and requires on-site team collaboration. We do not offer relocation package or fully-remote set up. 

What can you expect at Bondora? 

• Contribute to Bondora’s ambitious goal of reaching 1BN in revenue. Your skills and efforts will directly impact our growth trajectory and shape the future of our company.
• Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options and much more!)
• We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career.

The next steps

If you have the guts, ideas, and a team vision, apply now! 

Our hiring process: 

• Meet Iryna, our Recruiter: Your first interview with Iryna will give you the chance to share your experiences and aspirations. 
• Collaborate with Juris, our Chief Risk Office. 
• Put your skills to the test: Tackle a home task related to debt collection portfolio management. 
• Engage with Juris gain to discuss your case study
• Assessments: Complete our personality and logic assessments to showcase your strengths. 
• Meet Kateryna, our Credit Portfolio Manager
• The celebration begins: If the stars align, receive an offer to join the Bondora team!