Collections Manager

Harmoney is a pioneer in fintech and a leading online direct-to-consumer lender across New Zealand and Australia. You'll engage in interesting and challenging work that enhances our customers' financial lives every day. Be part of our mission to inspire people to achieve their goals through friendly, fair, and simple financial products.

We're reimagining possibilities with data and automation to transform the financial landscape.

About the Role

In this role, you will report directly to the Head of Operations in Adelaide and take full operational ownership of our end-to-end AU collections and financial hardship function. This is a permanent work-from-home position based in Adelaide, leading a team of seven remote Senior Collections Officers located across Australia, while working closely with our New Zealand head office.

Responsibilities

• Own the operational performance, targets, and metrics of the AU collections and financial hardship function.
• Lead, coach, and develop a dedicated team of Collections and Hardship Officers, fostering a high-performance, empathetic culture.
• Design, implement, and continuously optimise data‑driven collection strategies to maximise recoveries and meet ECL targets.
• Manage relationships with external partners, including legal counsel, mercantile agents, and debt‑purchasing entities.
• Ensure the entire function operates in strict accordance with Australian credit regulations.
• Identify macro‑level shifts in customer payment patterns and translate these insights into actionable improvement plans, collaborating with the Risk and Credit teams to refine lending criteria.
• Act as the ultimate resolution point for high‑value defaults, complex payment negotiations, and sensitive hardship cases.

What You'll Bring

The successful candidate will be an experienced people leader who thrives in a remote leadership environment, can build strong relationships across Australia and New Zealand, and is passionate about delivering positive customer outcomes while achieving business objectives.

• Proven experience in consumer collections within the Australian financial services, banking, or fintech sectors.
• Deep, practical knowledge of Australian credit regulations and a strong framework for managing financial hardship ethically.
• A track record of managing operational teams under pressure, with a knack for keeping morale high, driving targets, and fostering professional growth.
• Exceptional negotiation, conflict‑resolution, and stakeholder management skills.

Why work with us?

We pride ourselves on being a high‑growth innovative fintech company, with a supportive culture that encourages collaboration and contribution. You will engage in meaningful work that improves the financial lives of our customers daily.

The Perks:

• Subsidised health insurance
• A dedicated $1,000 annual training allowance
• Birthday leave and 2 additional Wellness Days annually
• Employee Referral Bonus
• Access to Employee Assistance Program (EAP)

Keen to Apply?

If you're ready to make a genuine impact, apply now with your CV and a brief cover letter. To be considered for this role you must be an Australian citizen, permanent resident, or have a valid work visa.

Please note: This is a permanent work-from-home position based in Adelaide, leading a team of seven remote Senior Collections Officers located across Australia.

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