Portfolio Jobs

Novicap is an end-to-end working capital solutions provider focused on enabling CFOs/Finance teams of SMEs to pay their suppliers and collect from their customers. This includes short-term credit (factoring, supply chain finance and loans) and payment automation solutions. With offices in Barcelona and Madrid, we are a fast-growing profitable fintech with an international team. Amazing, isn’t it?

We are currently looking for an operative Debt Collection Specialist who wants to join our team in Barcelona. You will be responsible for the recovery of receivables issued by companies assigned to your specific portfolio.

As mentioned, you will be responsible for the recovery of debt claims owed by companies assigned to your specific portfolio.

Based on a solid understanding of our goals and existing processes, you will implement debt collection strategies in the day-to-day to meet our objectives.

In order to achieve your mission, you will:

• With respect to:

• Portfolio Management: Execute recovery efforts for delinquent and defaulted credit products within your assigned portfolio.

• Phase Execution: Manage the day-to-day execution of the Friendly phase (dialogue and short-term resolution) and the Pressure phase (assertive communication and overdue interest reporting).

• Pre-Judicial Actions: Prepare and send certified notifications (burofax) to debtors who have not responded to earlier collection phases.

• Payment Plans: Negotiate out-of-court payment plans with debtors, adhering to internal guidelines such as maximizing upfront payments and minimizing duration.

• Escalation: Coordinate with the Collections Manager to escalate complex cases, principal reduction requests, or judicial initiation to the Collections Committee.

• Team Coordination: coordination with the Operations and Underwriting teams to take preventive measure with respect to the performance of our credit portfolio

• Effective Communication: Effectively communicate with customers and debtors, striking the right balance between commerciality and assertiveness

• Coordination with external providers: coordination with external service providers that may be relied on for debt collection activities at Novicap

With integrity. transparency and clarity are the cornerstones of our work. We honor our agreements and take responsibility for our actions. Furthermore, we are aware that we can always improve and we welcome feedback, in order to continue to grow.

We always strive to exceed expectations, ensuring the highest levels of professionalism, and we aim to outperform, taking a data-driven approach.

And finally, we are generous and give first. We support and contribute to our community, seeking the common good above our own interests.

• Have 2-4 years of proven operative experience in a corporate debt collection agency, trade credit insurance company or the debt recovery team of a company (a Legal degree is valued but not mandatory)

• Have excellent interpersonal and negotiation skills, seeking understanding the point of the view of the opposite part in order to reach an agreement

• Have excellent verbal & written communication skills, as well as effective listening skills

• Are fluent in Spanish and English

• Are highly organized, with the ability to deliver on deadlines and manage conflicting priorities within a dynamic environment

• Have self-motivation and attention to details

• Are reliable, with a proactive approach to entrusted tasks

• Full-time work with an open-ended contract

• Hybrid work model: we work 3 days from the office and 2 days from home to improve work-life balance

• Flexible benefits with Coverflex: you will be able to include in your paycheck the monthly expenses for food, transportation, daycare and others

• Medical insurance: we offer an optional health insurance through Sanitas, with competitive rates and Novicap subsidizes 30% to guarantee your wellbeing

• Communicate better with your colleagues by signing up for free English or Spanish classes if you need them

• Gym membership with Urban Sports Club, partly subsidized by Novicap (we also have a running club!)

• Incredible and highly motivated co-workers

• You will participate in our company events and get to meet the rest of the team that is spread across Spain

• You will be part of our dynamic and international work environment, with a flat hierarchy and open communication between teams

• Library with plenty of books to choose from. If you can't find anything, let us know and we'll add it to the library.

• Free fruit, coffee and tea in the office. We know it's customary, but we like to take care of you anyway.

Novicap is an equal opportunity employer and does not discriminate on the basis of race, color, national origin, ancestry, citizenship status, religion, physical or mental disability, marital status, sex, sexual orientation, gender identity or expression, age, or any other basis protected by law, ordinance, or regulation. We make every effort to ensure that all candidates are treated fairly and equally.

Novicap es un proveedor de soluciones integrales de capital circulante enfocado en ayudar a los CFOs y equipos financieros de PYMEs a pagar a sus proveedores y cobrar de sus clientes. Esto incluye crédito a corto plazo (factoring, financiación de la cadena de suministro y préstamos) y soluciones de automatización de pagos.