Product Owner - Head of Collections

We’re hiring: Product Owner - Head of Collections | £100,000 - £120,000 | London (Hybrid)

We’re partnering with a fast-growing UK fintech that’s rethinking how consumer finance works - starting with how collections is run, experienced, and scaled.

They’re looking for a senior operator with a strong product mindset to take full ownership of the collections function and transform it into a modern, automated, customer-centric capability. This is not a classic product role - it’s a functional ownership role, where product, data, and automation are the tools to remove operational friction over time.

In this role, you’ll be accountable for collections performance end-to-end, while working closely with engineering to build systems, workflows, and AI-enabled tooling that reduce manual intervention and scale with the business. You’ll sit at the intersection of operations, credit, technology, and customer experience, with real ownership and visibility at leadership level.

You’ll be joining a high-energy, founder-led environment where outcomes matter, decisions move quickly, and there’s genuine appetite to do things differently.

What you’ll be doing:

• Owning the collections function end-to-end, including performance outcomes, KPIs, and day-to-day operational effectiveness
• Running collections today, while productising and automating it over time to reduce manual processes
• Working closely with engineering to design and build scalable systems, workflows, and integrations
• Using data, analytics, and emerging AI capabilities to improve recoveries, customer outcomes, and efficiency
• Managing third-party partners and navigating complex customer and regulatory scenarios with confidence
• Acting as a senior voice on collections performance, feeding insights into broader credit and business decisions

What you’ll bring:

• Experience owning a business-critical function within lending, credit operations, collections, servicing, or a closely related area
• Comfort being directly accountable for outcomes, not just roadmaps or delivery
• A strong product and systems mindset, with experience using technology to remove operational burden
• Overlap with credit risk, lending, or regulated financial services (deep collections specialism not essential)
• Data-led decision making — able to move from insight to action
• Confidence working in a fast-paced, ambiguous, scale-up environment
• High energy, ownership mentality, and the credibility to operate with senior stakeholders

If you’re excited by the idea of running a function, not just a product, and using technology to fundamentally change how it works, this is a rare and high-impact opportunity. Drop me a message to learn more or explore whether it could be a fit.