Debt Agent

At Bondora, our mission is simple: to make finance easy, transparent, and accessible for everyone.

Founded in 2008, we’ve helped more than 700,000 customers across Europe borrow and invest effortlessly through our trusted digital products.

As a rapidly growing financial technology company, we’re reaching new heights with a bold vision. We’re set to acquire a banking license, unlocking a world of possibilities for our customers.  This transition will allow us to expand our lending across more EU countries and broaden our product suite to deliver even more value.

Join us on this journey and let’s build the future of finance together!

What is this role about?

As a Debt Agent for the Latvian market, you will play a key role in helping customers find sustainable solutions to their financial obligations while supporting Bondora's recovery and portfolio performance goals.

Working closely with customers, courts, bailiffs, and internal stakeholders, you'll manage debt recovery cases across different stages of the collections process — from negotiating repayment plans and resolving customer inquiries to supporting legal recovery procedures when necessary. Your work will have a direct impact on customer outcomes, operational efficiency, and recovery rates in one of Bondora's growing markets.

This is an opportunity to join a developing collections function and contribute to shaping best practices, improving processes, and driving meaningful results. We're looking for someone who combines strong communication and negotiation skills with attention to detail, financial understanding, and a proactive approach to problem-solving. If you enjoy taking ownership, working independently, and making a tangible impact, we'd love to hear from you.

Your main responsibilities will be:

• Handle incoming debtor communications (emails, calls, chats) and make proactive outbound calls to customers in debt

• Negotiate and conclude repayment agreements with customers

• Prepare and submit standardized applications to courts and bailiffs for debt recovery

• Manage and share case information and documentation with legal and collection partners

• Respond to official inquiries from courts, bailiffs, and other authorities

• Accurately document interactions and updates in CRM system

• Monitor and manage assigned portfolio, ensuring performance and progress

• Ensure compliance with applicable laws, regulations, and internal policies

• Collaborate with internal teams on complex cases

• Perform additional tasks as required based on the nature and flow of work

 

What would ensure success in this role?

Success in this role is determined by analytical expertise, process oversight, and data accuracy management. The ideal candidate will have:

• Debt collection know-how: Knowledge of debt collection techniques across early to late stages, including legal processes and negotiation skills

• Financial literacy and consumer lending knowledge: Ability to calculate balances, allocate payments, and reconcile accounts, familiarity with consumer lending products and repayment structures

• Regulatory awareness: Basic understanding of Latvian debt collection laws and legal procedures

• CRM systems and data management: Experience using CRM/collections systems to manage cases and track activity; Proficiency in Microsoft Office (Excel, Word); SQL knowledge is a plus

• Communication proficiency: Clear, accurate written communication in Latvian and English for customer and legal correspondence

• Time management: Effective prioritization and task management to meet targets and deadlines

What can you expect at Bondora? 

• Contribute to Bondora’s ambitious goal of reaching 1BN in revenue. Your skills and efforts will directly impact our growth trajectory and shape the future of our company.
• Our employees deserve the best. We recognize our people with a competitive salary and a generous benefits package (5 weeks of vacation, private healthcare compensation, hobby grant, mental healthcare support, share options and much more!)
• We provide an environment that encourages your personal and professional growth. As we constantly evolve and innovate, you’ll have endless opportunities (and budget) to expand your skills and skyrocket your career.

The next steps

If you have the guts, ideas, and a team vision, apply now! 

Our hiring process: 

• Meet Anna, our Recruiter: Your first interview with Anna will give you the chance to share your experiences and aspirations. 
• Engage with Dace, our Collections and Recovery Manager, and the Hiring Manager for the role.
• Assessments: Tackle a home task and complete our personality and logic assessments to showcase your strengths. 
• Meet with the main stakeholders
• The celebration begins: If the stars align, receive an offer to join the Bondora team!