Collections Representative - German Market

At Qred, we're building the bank for small businesses. Since launching 10 years ago, we've grown from startup to profitable fintech scale-up, now generating over 1 million Euros in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we're now looking for a Collections Specialist for the next phase of growth.

About the Role

As a core member of our expanding German team, you will bridge the gap between customer support and financial stability. You will take end-to-end ownership of your portfolio, using your judgment to find solutions that help our customers succeed while supporting the scaling of our financial systems in a key market.

Key responsibilities

• Serve as the primary contact for German business customers regarding payment plans and account inquiries.
• Negotiate realistic and fair installment plans that maintain positive customer relationships and safeguard financial performance.
• Document all agreements and interactions in our CRM to ensure team transparency and data integrity.
• Monitor payment patterns to provide actionable insights that help the team refine our collection strategies.
• Collaborate with our Underwriting and Customer Success teams to resolve discrepancies and improve operational processes.

What we're looking for

You approach challenges with a structured, data-informed mindset and a drive to build scalable frameworks. You are comfortable navigating complex financial conversations and thrive on driving alignment between customer needs and company growth.

Qualifications

• Fluency in German and professional proficiency in English.
• A detail-oriented approach with the ability to maintain precision in high-volume environments.
• Strong communication skills with a proven ability to build trust and negotiate on equal terms.
• A collaborative mindset and the willingness to learn within a fast-paced fintech environment.
• Experience in customer service or a commercial role is considered a plus, but not required.

Why Qred?

This is the place to be if you're looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there's a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from!

One Last Thing

This is a full-time, permanent position based in our headquarters in Stockholm. While we encourage a hybrid setup, we do expect you to be at least three days per week at the office. We review applications on a ro lling basis and while the start date is flexible, the right candidate can join us immediately.

Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law.

#LI-Hybrid #LI-Remote #LI-Onsite

Locations Stockholm