Hay Credito

We are an international fintech company. Since 2025, we have been providing loans in Spain. We are looking for a Head of Risk Management — a professional who will be responsible for the quality of the loan portfolio and will directly influence the company’s default rate and profitability.

What we offer:

• Competitive salary with growth opportunities based on your contribution to achieving KPIs.
• Fully remote work from anywhere.
• Full ownership of the risk management function: you will define lending policies and directly influence the quality of the loan portfolio.
• Direct collaboration with the Project Manager — decisions are made quickly without multiple layers of approval.
• The opportunity to implement new tools and approaches.

Your responsibilities:

• Manage key loan portfolio metrics, including DPD, default rate, delinquency inflow, NPL, Approval Rate, Cost of Risk, and portfolio profitability.
• Develop lending policies and credit scoring logic by generating hypotheses, conducting tests, and adjusting approval criteria and credit limits.
• Lead the Risk Analytics team: assign tasks, ensure high-quality execution, and support team development.
• Independently work with data in PostgreSQL: build datasets, analyze customer segments, and validate hypotheses.
• Prepare technical requirements for the IT team when implementing new lending rules and process changes, and monitor the correctness of implementation.
• Build analytical reports and dashboards, and prepare regular risk reports for management.
• Collaborate with the Risk Management team to ensure compliance with procedures and achievement of target KPIs.

Who we are looking for:

• Experience in a leadership role within Risk Management.
• Mandatory experience in an MFI, microfinance, consumer lending, or banking environment.
• Strong SQL skills and hands-on experience with relational databases.
• Advanced proficiency in Google Sheets and Microsoft Excel (complex formulas, pivot tables, data analysis).
• Strong understanding of the economics of lending products.
• Experience managing teams and monitoring key performance indicators.
• Ability to build transparent business processes and analytical frameworks.
• Ability to translate business requirements into clear technical specifications for the IT team.

Will be an advantage:

• Knowledge of Python for analytics and model development.
• Experience with BI tools such as Metabase, Tableau, or Power BI.
• Experience developing credit scoring models from scratch.
• Experience working in European markets and understanding their regulatory requirements.
• Experience designing and implementing fraud prevention (anti-fraud) rules.

We are an international fintech company operating since 2025. We are looking for a Collections Supervisor to lead a team of collection agents, help them achieve consistent recovery performance, and continue developing the team.

This role combines people management and analytics: half of the work is coaching, call monitoring, and providing feedback, while the other half focuses on KPI management, reporting, and portfolio decision-making.

What we offer

• Competitive salary with opportunities for growth based on your contribution to achieving KPI targets.
• A transparent bonus system: you will always know which team performance metrics affect your income and by how much.
• Fully remote work from anywhere.
• The opportunity to work in an international company.
• The freedom to build processes your way: call scripts, agent motivation systems, and portfolio allocation logic are all within your area of responsibility.
• Fast decision-making — you will work directly with the Head of Collections without multiple layers of approval.
• Real career growth opportunities to Head of Collections or other leadership positions (63% of our managers started as agents, and 24% were promoted from supervisor roles).
• A legally compliant workplace where we follow all applicable laws and ethical debt collection standards.

Your responsibilities

• Manage a team of collection agents: discipline, motivation, and performance.
• Monitor calls and ensure compliance with scripts and communication quality standards.
• Work with KPIs.
• Provide regular feedback and coaching to agents, both individually and in groups.
• Train new employees and develop the existing team.
• Distribute workload, shifts, and portfolio priorities.
• Handle complex cases and escalations.
• Prepare analytical reports on team performance.

Who we’re looking for

• At least 1 year of experience in Collections, debt recovery, credit sales, or a call center will be an advantage.
• Experience managing a team as a Supervisor, Team Lead, or Senior Agent.
• Spanish proficiency at B1 level or higher — you will monitor calls and evaluate the quality of customer conversations.
• Understanding of collections operations and the key metrics that drive department performance.
• Strong Excel / Google Sheets skills, including formulas, pivot tables, and working with exported data.
• Analytical mindset and the ability to make data-driven decisions rather than relying on intuition.

Nice to have

• Experience in fintech, microfinance, or bank collections.
• Coaching and mini-training facilitation skills.
• Experience working with different collection stages (early / late collections).
• Understanding of debtor behavior and negotiation techniques.

Selection process: Interview with the recruiter → Interview with the department manager → Short assessment task.

Керівник відділу стягнення, Head of Collections

• 110 000 – 140 000 грн, 2500-3000 EU

• Hay credito

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  Фінанси, банки, страхування; 50–250 співробітників

• Дистанційна робота
• Повна зайнятість. Досвід роботи від 2 років.
• Стресостійкість
• Активність
• Робота з клієнтами
• Аналітичне мислення
• Знання юриспруденції
• Ведення звітності
• Розробка мотиваційних профілів
• Лідерство
• Управління командою
• Орієнтація на результат
• Стягнення заборгованості

Показати всі навички

Опис вакансії

Ми — сучасна мікрофінансова організація, яка активно розвивається та змінює ринок. Шукаємо сильного лідера, який очолить відділ стягнення, підвищить ефективність процесів та побудує команду професіоналів.

Основні обов’язки:

• Керівництво командою колекторів та супервайзерів: планування роботи, мотивація, навчання та контроль результатів
• Розробка та впровадження стратегій стягнення для різних сегментів клієнтів
• Робота з аналітикою: аналіз KPI, ефективності команди, платіжної дисципліни та оптимізація процесів
• Побудова та вдосконалення процесів collection/recovery
• Взаємодія з фінансовим відділом, юристами та іншими підрозділами компанії
• Формування звітності та контроль виконання планових показників

Кого ми шукаємо:

• Досвід роботи у МФО, fintech або сфері стягнення заборгованості буде великою перевагою
• Досвід керівництва командою у call-center, collection або фінансовому секторі від 3 років
• Практичний досвід роботи з аналітикою, KPI та показниками ефективності
• Глибоке розуміння процесів стягнення та управління командою
• Лідерські якості, системність та навички мотивації персоналу
• Аналітичне мислення та здатність приймати стратегічні рішення
• Стресостійкість та орієнтація на результат
• Знання іспанської мови — великий плюс

We are an international fintech company operating in the Spanish online lending market since 2025. We are looking for a Meta Media Buyer who will be responsible for launching, optimizing, and scaling advertising campaigns for our mobile application.

We are looking for a specialist who understands the entire user journey—from the first ad impression to app installation, registration, in-app events, and ultimately the final business outcome.

What We Offer

• Competitive salary with performance-based reviews.
• Fully remote work.
• Opportunity to work on our own mobile product and directly influence its growth.
• Access to modern analytics, tracking, and automation tools.
• Direct collaboration with marketing, analytics, design, and development teams without unnecessary bureaucracy.
• Freedom to test new strategies, scale successful campaigns, and implement your own ideas.
• A results-driven team focused on fast decision-making and continuous professional growth.

Responsibilities

• Launch, optimize, and scale advertising campaigns in Meta Ads (Facebook & Instagram).
• Promote our mobile application with a focus on app installs, registrations, and downstream conversion events.
• Analyze the complete user funnel: Impression → Click → Install → Registration → Conversion.
• Optimize campaigns based on in-app events and monitor campaign performance.
• Track and improve key performance metrics including CPI, CPA, CAC, CPE, ROAS, LTV, Retention, and ARPU.
• Work with AppsFlyer or Adjust, ensuring accurate event tracking between the app, MMP, and Meta.
• Test new audiences, creatives, offers, and campaign strategies.
• Analyze traffic quality, identify growth opportunities, and scale successful campaigns.
• Prepare regular reports and collaborate closely with development, design, and analytics teams.

Requirements

• 2+ years of hands-on experience with Meta Ads.
• Proven experience promoting mobile applications.
• Mandatory experience with AppsFlyer or Adjust.
• Strong background in performance marketing.
• Experience working in highly competitive or “gray” verticals such as fintech, lending, loans, crypto, gambling, betting, or similar industries.
• Practical experience running campaigns optimized for installs, registrations, and downstream conversions.
• Solid understanding of Meta SDK, Meta Pixel, Conversions API, and mobile attribution principles.
• Experience optimizing campaigns based on in-app events.
• Strong understanding of key performance metrics and mobile traffic quality analysis.
• Self-driven, analytical, and focused on achieving business results.

Tools You’ll Use

• Meta Ads Manager
• Meta Events Manager
• AppsFlyer or Adjust
• Firebase
• Google Analytics 4
• Looker Studio, Power BI, Metabase, or similar BI platforms
• Excel / Google Sheets
• Keitaro, Binom, RedTrack, or other tracking platforms
• CRM and internal analytics systems

Nice to Have

• Experience in fintech, lending, payday loans, or microfinance (MFI).
• Experience promoting Android APKs or Progressive Web Apps (PWA).
• Hands-on experience with mobile traffic acquisition.
• Understanding of SKAdNetwork, App Tracking Transparency (ATT), and iOS attribution.
• Experience conducting A/B testing for creatives and scaling advertising accounts.
• Experience managing large advertising budgets.
• Understanding of post-conversion metrics such as approval rate, retention, LTV, repeat loans, and repeat purchases.

Job Description

We are looking for a Google Media Buyer who will be responsible for launching, optimizing, and scaling Google Ads campaigns for an in-house product.

We need a specialist who not only knows how to launch ads but also deeply understands funnels, analytics, events, and the final business result in terms of leads and loan issuances.

Key Responsibilities

— Launching and managing Google Ads campaigns;
— Working with Search, Display, Performance Max, YouTube, and App Campaigns;
— Scaling successful campaigns;
— Monitoring customer acquisition costs (CPA / CAC / CPL / CPS);
— Analyzing the full funnel: from click to lead / loan issuance;
— Identifying growth opportunities in campaigns, keywords, ads, landing pages, and events;
— Semantic management: keyword research, clustering, negative keywords, query expansion;
— Testing hypotheses, offers, landing pages, and ad funnels;
— Monitoring traffic quality and conversions;
— Setting up and validating correct event tracking in Google Ads;
— Working with analytics through GA4 / GTM / Firebase / AppsFlyer / Adjust;
— Daily work with performance reporting and metrics.

Requirements

— 2+ years of experience with Google Ads;
— Experience working with performance traffic;
— Mandatory experience in gray/restricted niches: crypto, gambling, betting, fintech, loans, or related verticals;
— Experience launching campaigns for leads, registrations, applications, or loan issuances;
— Strong understanding of Google Ads: Search, Display, Performance Max, YouTube, App Campaigns;
— Experience setting up analytics and event tracking;
— Understanding of GA4, Google Tag Manager, and conversion tracking;
— Ability to work with funnels: click → registration → application → approval → issuance;
— Understanding of CPA, CAC, CPL, CPS, CR, ROAS / ROMI;
— Ability to evaluate not only lead cost but also traffic quality;
— Self-management, structured thinking, and results orientation.

Tools

— Google Ads;
— Google Analytics 4;
— Google Tag Manager;
— Google Search Console;
— Looker Studio / Power BI / Metabase or similar tools;
— Firebase / AppsFlyer / Adjust or similar tools;
— Excel / Google Sheets;
— Trackers: Keitaro / Binom / RedTrack or similar;
— CRM / internal analytics / admin panels.

Will Be a Plus

— Experience in MFO / fintech / lending / payday loans;
— Experience with PWA / APK / mobile traffic;
— Experience launching Google App Campaigns;
— Experience working with Keitaro / Binom / RedTrack trackers;
— Understanding of post-issuance client quality metrics: approve rate, signing rate, default rate, profitability, repeat loans.

Expected Results

— Stable launch and scaling of Google Ads campaigns;
— Achievement of targets for applications / first loan issuances;
— Maintaining CPA / CAC within target benchmarks;
— Accurate event tracking and transparent analytics;
— Growth of high-quality traffic volume;
— Clear and consistent reporting on campaigns, keywords, events, and results.