Remote

SENIOR EXPERT | NPL & RECEIVABLES MANAGEMENT (FREELANCE)

Your opportunity

JOB DESCRIPTION

he role is that of a domain expert: you contribute your practical knowledge of the field to strategic engagements with a long-term, future-oriented perspective.

Domain Expertise and Market Assessment
  • Share a well-founded view on how receivables management, collections and NPL markets are likely to evolve over the next decade.
  • Explain the strategic value drivers of the business, such as portfolio quality, cost-to-collect, data and automation, and capital structure.
  • Assess the impact of economic cycles, regulation, consumer credit behaviour and technology (e.g. automation, AI).
Expert Dialogue and Future Perspectives
  • Take part in structured expert interviews and, where useful, in workshops with senior stakeholders.
  • Bring an informed view on emerging developments, new market entrants and new or adjacent business models, including links to payments and retail finance, and assess their plausibility and attractiveness.
Review and Sparring
  • Review interim findings and assumptions for market realism, and challenge them from a practitioner's perspective.
  • Explain complex market and regulatory dynamics clearly to a non-specialist, executive audience.
Portfolio Management challenge
  • Experience: 6+ years of professional experience in receivables management, collections, NPL investment or credit servicing.
  • Core expertise: Good understanding of European markets and regulation (DACH and EU) and of the strategic value drivers of the business.
  • Future orientation: Forward-looking, strategic mindset with a strong interest in how markets and business models will change. Able to think beyond today's status quo.
  • Communication: Able to explain your domain clearly and concisely to non-specialists and senior decision makers.
  • Language: Good command of English required. German strongly preferred.

  • Desirable:
    • Familiarity with the interface to retail, payments and consumer finance
    • Experience with new or adjacent business models, e.g. digital or data-driven servicing models
    • Experience with strategy, scenario or foresight work
    • Experience in facilitating or contributing to workshops
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  • Engagement type: Freelance / independent consultant
  • Time commitment: Flexible, depending on your availability and the needs of the engagement. This ranges from selective expert input on demand (a few days in total) to a more active role in the project team (up to 40 to 60% FTE during intensive phases). Exact allocation agreed individually.
  • Location: Remote-first. Occasional travel to client locations may be required.
  • Language: English required. German strongly preferred.
  • Confidentiality: Standard NDA required. Candidates should confirm they have no conflicting engagements in the relevant field prior to engagement.
  • Rate: Competitive day rate commensurate with seniority. To be agreed.
  • Start: From November 2026

Ideation & Validation Approach
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