Debt Collections activities under one roof

Pactum Collections GmbH

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data-analyst

Pactum Collections GmbH is a debt collections company based in Berlin, Germany. Established in 2016, the company originally served as a central competence center for Ferratum Group but has since expanded its services across 20 markets in Europe and beyond. Utilizing advanced behavioral science and artificial intelligence, Pactum offers comprehensive receivables and portfolio management services, including both collections processes and the acquisition of non-performing portfolios. The company's state-of-the-art collections platform and experienced team aim to optimize cash flows for businesses while reducing daily sales outstanding. Pactum emphasizes a streamlined approach through one team, one contract, and one IT setup to serve clients effectively across Europe.

• Lead analytics for collections performance, portfolio segmentation, and recovery optimization.
• Build and maintain dashboards, KPIs, and automated reports for collections and risk teams.
• Analyze delinquency, roll rates, repayment patterns, and behavior trends to identify actionable insights.
• Partner with operations, risk, collection process analysts, and data engineering teams to improve data accuracy and analytical capabilities.
• Evaluate treatment strategies, collection campaigns, and A/B tests to measure performance and recommend improvements.
• Support advanced analytics and predictive modeling initiatives in collaboration with the Data Science team.
• Ensure consistent data quality, governance, and documentation across data processes.

Senior Data Analyst

Senior Data Analyst driving insight and strategy across collections and recovery operations in a fintech company. Responsible for data analysis, reporting, and insight generation to optimize performance and improve outcomes.

• Lead analytics for collections performance, portfolio segmentation, and recovery optimization
• Build and maintain dashboards, KPIs, and automated reports for collections and risk teams
• Analyze delinquency, roll rates, repayment patterns, and behavior trends to identify actionable insights
• Partner with operations, risk, collection process analysts, and data engineering teams to improve data accuracy and analytical capabilities
• Evaluate treatment strategies, collection campaigns, and A/B tests to measure performance and recommend improvements
• Support advanced analytics and predictive modeling initiatives in collaboration with the Data Science team
• Ensure consistent data quality, governance, and documentation across data processes

Senior Data Analyst driving insights and strategy across collections and recovery operations at Multitude. Analyzing data to optimize repayment performance and improve customer outcomes.

Senior Data Analyst at Multitude driving insight across collections and recovery operations. Responsible for data analysis and reporting to improve customer outcomes and portfolio profitability.

compliance

• Support the Head of Legal and Compliance and Deputy Head of Regulatory Compliance in maintaining an effective control framework and ensuring adherence to external laws, internal policies, and best market practices
• Serve as a key advisor on regulatory impact analysis, ensuring compliance standards evolve alongside regulatory requirements
• Conduct internal compliance reviews, assess regulatory and policy adherence, and prepare reports on findings and follow-up actions
• Assist with thematic reviews by coordinating data collection, preparing documentation, and ensuring timely responses to regulatory authorities
• Contribute to the compliance risk assessment process, identifying risk areas and advising on mitigating actions
• Support the Regulatory Compliance agenda within governance forums and provide targeted compliance training to employees
• Oversee and maintain an independent Compliance Management System, ensuring regular updates and adherence to new standards
• Develop and maintain a Compliance Monitoring Manual that reflects current regulations and industry standards
• Oversee incident reporting and corrective action coordination, ensuring effective follow-up and communication to management
• Ensure compliance with all license and permit conditions, codes of practice, and compliance registers
• Maintain up-to-date compliance policies and procedures, ensuring alignment with evolving regulatory requirements
• Coordinate reporting to regulatory authorities and prepare comprehensive internal and external compliance reports
• Provide guidance on regulatory obligations and liaise with supervisory authorities on compliance matters
• Review legal notices and advise management on regulatory changes to ensure adherence to new frameworks
• Conduct annual risk evaluations, oversee assessments of outsourced activities, review marketing materials, and ensure product and service compliance

Senior Regulatory Compliance Officer

Senior Regulatory Compliance Officer at Multitude Bank. Overseeing compliance with local and EU regulations within the financial services sector in Malta.

sales

• Lead, coach, and motivate Business Development Partners to meet revenue and growth targets, aligned with the Bank’s commercial and risk strategies
• Drive new client acquisition and manage key institutional relationships, engaging senior stakeholders to close deals and sustain long-term partnerships
• Define and execute the Payments Business growth plan, focusing on priority sectors and jurisdictions, and identify and convert high-value opportunities
• Oversee the full client lifecycle—from lead generation and due diligence through onboarding and ongoing relationship management—ensuring efficiency and client satisfaction
• Develop and maintain scalable sales and pricing processes, and ensure accurate CRM data, forecasts, and team KPIs
• Collaborate with Compliance and Risk teams to ensure all business aligns with AML/CFT and regulatory frameworks and support continuous enhancement of the Customer Acceptance Policy and Business Risk Assessment
• Identify and implement process improvements to speed onboarding, strengthen controls, and enhance service delivery
• Analyse market, regulatory, and competitor trends to refine sales strategy, product offering, and market positioning

Head of Sales – Payments Business

Head of Sales for the Payments Business, driving growth and client acquisition at a European FinTech firm. Leading strategy alignment with regulatory frameworks and risk management.

salesforce-developer

• Design and build Salesforce applications using Apex, Visualforce, and Lightning Web Components (LWC)
• Leverage the full capabilities of Salesforce to support company programs and initiatives
• Develop highly interactive and responsive UIs using Visualforce, Aura, and LWC
• Build custom Salesforce applications and integrate Salesforce with external systems
• Translate functional requirements into scalable, technical solutions
• Identify and resolve bugs, ensuring alignment with requirements during debugging
• Write robust test classes ensuring >80% code coverage
• Test and validate fixes before deployment to production
• Ensure security best practices and compliance are applied to all Salesforce configurations
• Support day-to-day maintenance and enhancements to Salesforce applications

Salesforce Developer

Salesforce Developer designing and building applications for global operations at Multitude. Supporting financial innovation through digital lending and online banking services in a collaborative environment.

Salesforce Developer designing and building Salesforce applications at Multitude, a financial innovation team. Enhancing digital experiences for employees and customers with Salesforce technology.

operations

• Provide frontline support to customers across multiple communication channels, ensuring outstanding service, compliance, and customer satisfaction while contributing to sales and collections processes
• Respond promptly and professionally to customer inquiries via chat, phone, email, WhatsApp, Messenger, and other platforms
• Provide accurate guidance and keep customers updated on the status of requests, complaints, applications, or collections cases.
• Identify customer needs and recommend suitable products and services
• Drive sales through proactive engagement, upselling, and cross-selling, contributing to revenue targets
• Provide first-level support for payment reminders and repayment arrangements
• Escalate complex cases to dedicated teams with accurate documentation
• Support loan servicing activities to ensure smooth processing
• Handle standard customer issues independently
• Escalate complex or sensitive cases (complaints, collections, fraud) with proper documentation and follow up to ensure resolution
• Adhere to compliance guidelines, regulatory standards, and company policies
• Maintain accurate records of all interactions
• Support GDPR, fraud detection, and complaint processes as required

Customer Operations Specialist

Customer Operations Specialist providing customer support across multiple channels for fintech company Multitude. Assisting with inquiries, sales, and ensuring compliance in a hybrid work environment.

Pactum Collections GmbH

About the company

Open jobs

8 jobs found

Senior Data Analyst

Pactum Collections GmbH

Senior Data Analyst

Pactum Collections GmbH

Senior Data Analyst

Pactum Collections GmbH

Senior Regulatory Compliance Officer

Pactum Collections GmbH

Head of Sales – Payments Business

Pactum Collections GmbH

Salesforce Developer

Pactum Collections GmbH

Salesforce Developer

Pactum Collections GmbH

Customer Operations Specialist

Pactum Collections GmbH