Credit & Collections Manager

We are changing the way people buy or lease cars, fixing the largely broken used cars sector.

Spotawheel, an Endeavor company, is a trusted high-tech used cars B2C platform that redesigned the whole buy-sell process from scratch, ensuring value, transparency and customer satisfaction at the highest levels throughout.

Launched in 2015, we are currently incorporated in 3 countries, growing aggressively towards our mission of disrupting the €500 billion European market. Spotawheel has been recognized as one of Europe's fastest-growing companies for three consecutive years, 2021, 2022 & 2023, by the Financial Times.

Unlike traditional used car dealers, we rely on advanced proprietary technology to be much more efficient and effective in the way we work, being able to sustain top vehicle quality and customer experience at large scale.

Our people at Spotawheel are our driving force, trusting them to meet and exceed our customers' expectations. We invest in our people first and foremost, so that we can create a culture of excellence, recognition and ethics that is above all fun to be a part of.

We are seeking a Credit & Collections Manager to join our Group Credit & Collections Team in Greece.

In this role, you will be responsible for safeguarding the company's financial health by ensuring that leasing applications are evaluated with independence, due diligence, and strict adherence to credit and regulatory guidelines. You will also oversee the accounts receivable function, driving efficiency, compliance, and strong client relationships.

Your Key Responsibilities will be to:

• Develop and implement credit policies and procedures to ensure smooth departmental operations and minimize credit risk
• Assess and approve/reject car leasing applications in line with company guidelines
• Review financial data, conduct credit checks, and verify supporting documentation
• Perform thorough due diligence on applicants and guarantors, including phone verification and fraud detection
• Evaluate applications and issue approvals, rejections or counteroffers, as well as escalate exception cases and appeals to management as required
• Design and execute strategies to maximize collections of outstanding debt and reduce default rates
• Oversee collection processes to minimize profit loss while ensuring compliance with company policy
• Monitor and analyze delinquency data, prepare regular reports, and share insights with management
• Maintain professional client communication to foster strong relationships and reduce payment defaults
• Collaborate closely with the Legal Department to accelerate asset recovery and repositioning

Requirements

• BSc in Accounting, Economics, Banking and Finance or relevant field
• 5+ years of experience as a Credit & Collections Manager or other similar roles
• Hands-on experience with accounting software
• Solid understanding of lending procedures
• Advanced analytical skills, with the ability to create and interpret complex financial reports and spreadsheets (Excel, Google Sheets)
• Excellent communication, negotiation, and interpersonal skills
• Fluency in English (written and spoken)

Benefits

• Spotawheel Stock Option Plan
• Group Health Insurance Program
• Daily exposure on top-notch technologies, practices and methodologies
• Professional development plan & specialization in a high-demand market
• Unlimited support to achieve your personal aspirations
• Values based, fun and fast-paced environment