Full-Time
Collections Team Leader
Liberis
201-500 employees
Embedded finance platform enabling small-business funding
No salary listed
Atlanta, GA, USA
In Person
 Finance & Banking (1) |
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- Demonstrated experience within a collections environment, ideally within SME lending, financial services, or commercial finance.
- Team leadership experience of managing, coaching, and developing small teams.
- Strong understanding of collections operations, arrears management, recoveries, and customer engagement strategies.
- Experience conducting quality assurance reviews, call monitoring, compliance assessments, and performance coaching.
- Excellent analytical and problem-solving skills with the ability to interpret data and drive informed decisions.
- Strong communication and stakeholder management skills, with the ability to influence at all levels.
- High level of integrity, professionalism, and sound judgement in all decisions and actions.
- Advanced proficiency in Microsoft Excel and experience using collections, CRM, and reporting systems.
- Strong attention to detail with a focus on accuracy, risk management, and compliance.
- Proven ability to identify process improvements and successfully implement operational enhancements.
- Self-motivated, highly organised, and able to effectively prioritise workload in a fast-paced environment.
- Passionate about delivering fair customer outcomes while achieving business objectives.
- Lead, motivate, and develop a small Collections team to achieve operational objectives, customer outcomes, and individual performance targets.
- Set clear goals and expectations, monitor performance against KPIs, and conduct regular one-to-one meetings to provide coaching, feedback, and development support.
- Foster a high-performance culture focused on accountability, continuous improvement, customer fairness, and operational excellence.
- Identify training and development needs within the team and implement coaching plans to improve performance and capability.
- Conduct regular quality control reviews of customer calls, account actions, correspondence, and case management activities to ensure compliance with internal policies, regulatory requirements, and company standards.
- Monitor call quality, customer interactions, account notes, payment arrangements, forbearance decisions, and escalation handling to ensure consistency and accuracy.
- Provide structured feedback and coaching based on quality assurance findings, identifying trends, risks, and improvement opportunities.
- Ensure all customer communications and account actions are documented accurately and completed in accordance with Treating Customers Fairly principles and business procedures.
- Maintain oversight of complaint handling, vulnerable customer processes, and regulatory compliance requirements.
- Conduct daily monitoring of the receivables portfolio to identify underperforming, inactive, and high-risk customers.
- Analyse customer behaviour, payment trends, and portfolio performance to identify opportunities to improve collections outcomes and reduce default risk.
- Develop and implement proactive and reactive customer engagement strategies to maximise collections performance while maintaining positive customer relationships.
- Ensure default account volumes remain within agreed budget tolerances through effective collections strategies and risk management practices.
- Perform detailed statistical and root cause analysis to understand customer inactivity, payment performance, and collection effectiveness.
- Generate, review, and present reports on collection rates, delinquency trends, default volumes, recoveries, team performance, quality assurance outcomes, and operational KPIs.
- Use data-driven insights to identify process improvements, increase efficiencies, and support business decision-making.
- Engage directly with customers through telephone, email, and other communication channels to resolve complex cases and drive successful outcomes.
- Act as the primary escalation point for complex customer situations, supporting team members and ensuring timely and effective resolution.
- Build and maintain strong working relationships with internal stakeholders and external partners to support collections objectives.
- Manage relationships with Debt Collection Agencies (DCAs), ensuring service levels, compliance requirements, and recovery KPIs are achieved.
- Monitor post write-off recovery performance and take appropriate action to maximise recoveries and improve vendor performance.
- Review agency reporting and performance metrics to identify opportunities for improved recoveries and customer outcomes.
- Continuously review collections processes, controls, and customer journeys to identify and implement improvements.
- Drive initiatives that improve operational efficiency, customer experience, collections effectiveness, and risk management.
- Support change projects, system enhancements, and new process implementations across the collections function.
- Champion Liberis values and behaviours, ensuring customers are treated fairly and consistently at every stage of the collections journey.
- Promote a customer-centric approach that balances commercial outcomes with positive customer experiences and regulatory expectations.
- Lead by example, creating an inclusive, collaborative, and supportive team environment.
Liberis is a financial technology platform that helps small businesses get funding through partnerships. It provides accessible revenue finance to end customers via a network of partners, offering quick funds from £1,000 to £1,000,000 with flexible repayment terms that adapt to cash flow. The platform is modular and scalable, enabling partners to embed financing options into their own products or services, which drives customer loyalty and higher transaction volumes. Liberis differentiates itself by focusing on embedded finance and an expansive partner network (over 300 partners worldwide) to deliver personalized funding options rather than a single product. The goal is to make funding easier and more responsible for small businesses while giving partners a new revenue stream and growth accelerator.
Company Size
201-500
Company Stage
N/A
Total Funding
$593.3M
Headquarters
London, United Kingdom
Founded
2007
Get referred to Liberis
See people who can refer or advise you
Simplify's Take
What believers are saying
- eBay launched Flexible Growth Financing on 6 April 2026 for UK sellers.
- Deliveroo Capital went live in January 2026 and expands to thousands more merchants.
- PayFacto's Maitre'D Capital Cash Advance launched 6 May 2026 across Canada.
What critics are saying
- Nordic Capital's merger closes later 2026, risking partner distraction and integration slippage.
- Qred's bank-led model could overshadow Liberis' embedded platform, squeezing its standalone identity.
- If eBay, Deliveroo, or PayFacto replace Liberis, core originations collapse quickly.
What makes Liberis unique
- Liberis embeds funding inside eBay, Deliveroo, and PayFacto workflows in 2026.
- Its revenue-based repayment model flexes with sales, matching merchant cash flow.
- Nordic Capital will combine Liberis with Qred across 17 countries later 2026.
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Benefits
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Growth & Insights and Company News
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↑ 0%Hogan Lovells advises liberis and blenheim chalcot on acquisition of liberis by nordic capital. Press releases | 19 June 2026 Hogan Lovells has advised Liberis, a global embedded finance platform, and shareholders, including lead investor, Blenheim Chalcot, on Nordic Capital's agreement to acquire Liberis and combine it with Qred, creating a leading global platform for small and medium-sized business financing. The transaction is expected to complete later this year, subject to customary regulatory approvals and closing conditions. The Hogan Lovells team comprised John Connell, Head of UK M&A, M&A partner Anthony Doolittle, senior associates Andreas Demetriou and Ekaterina Nuzhdova, and trainee Katelyn Groenewald.
Nordic Capital today announces an agreement to acquire Liberis, a leading global embedded finance platform, and further invest in Qred, one of Europe's foremost digital small business banks. This brings two businesses together to create a leading global platform for small and medium sized business (SMB) financing.
Sweden's Qred and UK SME lender Liberis in £600m merger | Mark Kleinman blog. Wednesday, 17 June 2026 19:05 * Thames Water rescue in peril as government opposes 'weak' deal Cash-strapped Thames Water is again facing down the prospect of being placed in temporary public ownership after the government raised objections to a proposed £10bn rescue by its lenders. * Former Microsoft chief Barclay joins British fintech unicorn Zilch One of Britain's leading fintech unicorns will this week name Microsoft's former UK boss to its board as it continues to seek acquisition targets ahead of an eventual public listing. * More people cashing in full pension in 'worrying signal' for UK's retirement plans More people are cashing in their full pension in a "worrying signal" that Britons are not prepared for retirement, new data has shown. * Shares of Elon Musk's SpaceX soar past Amazon Shares of Elon Musk's SpaceX soared more than 14% on Tuesday, lifting its value higher than Amazon and briefly Microsoft just days after its debut. * Threat of social media ban jolted tech giants into action before it was even announced Roblox has revealed new safety measures, just as the government announces it will ban under-16s from social media and potentially some gaming platforms... like Roblox.
PayFacto and Liberis have launched Maitre'D Capital Cash Advance, an embedded funding solution for Canadian restaurant and hospitality operators. Built into the Maitre'D platform, the product provides revenue-based financing with automatic repayments calculated as a percentage of daily sales. The launch addresses a challenging financing environment for Canadian small businesses, with Statistics Canada reporting a 22% decline in total loan value and a 38% drop in individual loans between 2023 and 2024. Additionally, 40% of Canadian SMEs cite access to financing as a major growth barrier. The solution leverages transaction data from the Maitre'D platform to streamline assessments and eliminate traditional loan applications. It represents the first product under Maitre'D Capital, PayFacto's embedded finance initiative. The service is now available to eligible PayFacto merchants nationwide.
eBay and Liberis introduce Flexible Growth Financing to support UK small businesses. March 12, 2026 Running short of time? Get PDF of the blog in your mail. Reading Time: 4 minutes eBay UK has announced a new partnership with global embedded finance provider Liberis to launch Flexible Growth Financing, a funding solution designed to help small and medium-sized businesses access capital directly through the marketplace platform. The new financing option will be introduced to UK business sellers beginning April 6, 2026, as part of eBay Seller Capital, eBay's initiative aimed at providing sellers with faster and more accessible funding to support their business growth. The program is designed to address one of the biggest challenges facing small businesses today - access to affordable working capital. Addressing the funding gap for small businesses. Access to financing remains a major hurdle for many small and medium-sized enterprises (SMEs) in the UK. According to recent data, 52% of UK SMEs report difficulty accessing affordable credit, often due to lengthy application processes, high borrowing costs, and the risk of loan rejection. This funding gap can prevent businesses from investing in essential growth activities such as: * Expanding inventory * Improving product listings * Scaling marketing campaigns * Managing seasonal demand By embedding financing directly into the marketplace platform, eBay aims to simplify how sellers access capital and remove traditional barriers associated with business loans. How Flexible Growth Financing works. Flexible Growth Financing is designed to provide on-demand funding that adapts to a seller's business performance and needs. Eligible sellers will receive a pre-approved funding limit tailored to their business data and sales history on eBay. Instead of withdrawing the full amount upfront, sellers can access the capital in stages depending on their needs. This means sellers can: * Draw the full funding amount at once, or * Withdraw smaller amounts over time as opportunities arise The financing is commonly used for operational growth initiatives such as: * Restocking high-demand products * Expanding product catalogs * Investing in advertising and promotions * Improving product listings Another key feature is repayments that adjust based on sales performance, helping businesses maintain healthier cash flow while scaling operations. Funding decisions are expected to be delivered within 24 hours, enabling sellers to act quickly on emerging market opportunities. Proven success in the US market. The partnership between eBay and Liberis is not entirely new. A similar model has already been operating successfully in the United States under the Seller Capital program. Through this initiative, thousands of small businesses have already accessed working capital, helping them grow their operations and manage business expenses more efficiently. According to Liberis, 90% of small business customers reported that the working capital provided had a positive impact on their operations. This flexibility allows business owners to maintain greater control over their financial planning and growth strategies. Embedded finance becomes a marketplace growth tool. For eBay, the launch of Flexible Growth Financing represents a broader shift toward embedded finance within digital marketplaces. Instead of forcing sellers to seek financing externally through banks or traditional lenders, marketplaces are increasingly integrating financial services directly into their platforms. According to Eve Williams, General Manager of eBay UK, the goal is to provide sellers with financing that reflects the realities of running an online business. Through the partnership with Liberis, funding decisions can be made using real commercial data generated from seller performance, enabling faster approvals and financing limits tailored to actual business activity. This approach allows sellers to access capital in a way that aligns with their sales cycles and growth patterns, rather than being restricted by rigid loan structures. "Small business growth is vital to the UK economy, but access to the right kind of funding remains one of the biggest barriers for many entrepreneurs. Through eBay Seller Capital and our partnership with Liberis, we're embedding flexible finance directly into our platform, giving sellers fast, data-driven access to funding that adapts to their sales and puts them firmly in control of their growth." - Eve Williams, General Manager, eBay UK A growing global Seller Capital program. Flexible Growth Financing is the latest expansion of eBay's broader Seller Capital program. In 2025 alone, the initiative delivered more than $250 million in working capital to over 10,000 sellers globally through its financing partners. Since its launch, the program has facilitated over $1 billion in growth capital for sellers across the United States, the United Kingdom, and Germany. By integrating financial tools directly into the seller ecosystem, eBay aims to help businesses scale faster and invest in growth opportunities without unnecessary financial friction. What this means for marketplace sellers. The launch of Flexible Growth Financing highlights how marketplaces are evolving beyond transaction platforms into complete business ecosystems for sellers. Access to working capital can often determine whether a small business is able to expand its inventory, capitalize on seasonal demand, or launch new products. With embedded funding available directly within the platform, sellers can respond to opportunities faster and operate with greater financial flexibility. For UK-based eBay sellers, the new financing option provides an additional resource to manage growth, invest strategically, and scale their operations without navigating traditional lending processes. As marketplace competition intensifies and sellers increasingly look for operational support beyond simple listing tools, integrated financial solutions like Seller Capital may play a crucial role in shaping the future of seller-first marketplace ecosystems. cedcommerce news coverage ebay news 2026 ecommerce industry news shreya salil Shreya Salil is a seasoned content writer specializing in eCommerce. Her knack for storytelling and industry expertise combine to create informative and engaging content.