Collections Operations Specialist

Are you a Collections Specialist who excels at and enjoys supporting the function … then keep reading, you may be the team member we are looking for. ⭐

Who are we?

IPF Digital Australia (trading as Credit24), is part of a global market-leading consumer lending business, IPF Group. With operations also in Europe and Mexico; we thrive to build a better world through financial inclusion by offering fast, simple, and easy-to-access credit solutions to everyday Australians.

We're a team of high energy and passionate people, who pride ourselves on how we work together as a team. We truly believe in the importance of delivering great experiences for our customers, so we keep them at the forefront of everything we do.
We embrace the pursuit of ensuring a great work life balance for all. We work hard, however we acknowledge the importance of flexibility and balancing our internal & external priorities. We also practise a culture of consistently reflecting and celebrating our wins and achievements with one another.

The role
The Collections Operations Specialist is responsible for supporting the day-to-day operational management of collections processes across the customer lifecycle, from Pre-Reminder, Reminder, Collections through to external Collections. The Australian Collections function resides in Mexico.

The role ensures operational excellence, compliance with collections procedures, effective management of outsourced partners, coordination of debt sale activities, and continuous monitoring of collections controls. The role also supports the implementation of new collections initiatives and provides operational support across business projects.

In addition, the role works closely with the Collections Team Leader - located in Mexico supporting the AU Reminder portfolio.

Your Responsibilities:

Collection Operations

• Monitor daily execution of collections processes from pre-Reminder through external Collections.

• Perform daily operational controls to ensure all collections activities are completed according to agreed procedures.

• Monitor dialler, CRM communications and operational campaigns.

• Monitor collections KPIs and escalate operational issues.

Debt Sale Operations

• Coordinate all Regular Debt Sale (RDS) and One-Off Debt Sale activities.

• Verify portfolios for debt sale.

• Perform pre-sale validation and post-sale operational activities.

• Coordinate recall processes where required.

• Manage debt sale reconciliations and operational reporting.

Outsourcing Management

• Coordinate operational cooperation with external collection agencies.

• Prepare portfolio allocations.

• Monitor agency operational performance.

• Validate agency invoices and support monthly settlements.

• Ensure all operational processes are executed according to SLA.

• Coordinate recall processes where required.

Complaints & Operational Support

• Coordinate collections-related complaints requiring operational investigation.

• Support customer escalations related to collections activities.

• Monitor operational incidents and coordinate corrective actions.

Training & Quality

• Deliver onboarding and refresher training for internal and outsourced collections teams.

• Maintain operational manuals and process documentation.

• Support implementation of new operational procedures.

Compliance & Governance

• Coordinate approvals required from Legal, Marketing and Compliance before implementation of new collections strategies.

• Ensure collections activities comply with internal policies and local regulations.

• Support internal and external audits.

Projects

• Participate in collections projects and system implementations.

• Prepare or review business requirements for operational improvements.

• Coordinate implementation activities across stakeholders.

Reporting & Controls

• Execute daily, weekly and monthly operational controls.

• Investigate data inconsistencies.

• Escalate process failures and recommend corrective actions.

What you bring to the role:

• 1+ year of Collections Experience

• An understanding of excellent negotiation skills

• An understanding of Collections and local legislation

• Awareness of legislation including the Bankruptcy Act; The National Consumer Credit Code (NCCP), The Debt Collection Guidelines; The Privacy Act and The