Head of Collections B2B

About Klar
We're turning one of the world's largest underbanked markets into something fairer, simpler, and more transparent.
7 million users served since 2019. Uber's first global credit card, built right here in Mexico. Klar Empresarial, a brand-new B2B solution — Klar Empresarial — bringing agile credit and smart accounts to SMEs who've been ignored by traditional banks for too long. And a full banking license on the horizon, because our customers asked for it and we listened.
We move fast, we think big, and we go all in, because as our CEO puts it: "Growing doesn't always mean going further. Sometimes it means going deeper."
Behind all of it is a team of 30+ nationalities, working across Mexico City, Berlin, and Argentina, obsessed with building financial products that are simpler, faster, and fairer than anything that came before.
This is Klar, and we're seeking the people who'll write the next chapter.
Our people
If you join us at Klar, you’ll be welcomed to a team that is rich in many talents and we are very proud! With our head office in Mexico City, and remote tech hubs in Berlin and Argentina, we are always learning something new about another culture or language. With so many people from different backgrounds and walks of life (young professionals, parents, LGBTQ+, neurodivergence), you’ll definitely find your people here!
and walks of life (young professionals, parents, LGBTQ+, neurodivergence), you’ll definitely find your people here!
Our values
Ownership - We own our successes & our failures as a team.
Excellence - We do everything to the best of our ability & always seek to achieve a new level of excellence in our work.
Inclusion - We believe we are stronger together and actively work to promote a safe, diverse, inclusive, and respectful culture.
Customer Obsession - We understand the value Klar can bring to its customers & it’s always at the forefront of our decisions.
Klarity - We communicate clearly & with authenticity. It’s in our name & it’s what we do.
The position and your daily adventures
This is a full-time position based in our Mexico City office with a hybrid model, therefore we are looking forward to seeing you in our office 2-3 times per week.
What you can expect:
1. Collections Strategy & Portfolio Performance
Own the end-to-end collections strategy for the B2B portfolio, defining differentiated approaches by delinquency stage, customer segment, exposure, risk, and likelihood of recovery.
Drive improvements in key portfolio outcomes, including delinquency rates, roll rates, cure rates, recovery rates, and loss mitigation.
Design and optimize collections strategies across communication channels, negotiation approaches, payment reminders, repayment arrangements, and restructuring options.
Establish clear performance targets, monitoring mechanisms, and accountability across the collections operation.
2. B2B Collections Operations
Build and continuously optimize the operating model for B2B collections, accounting for differences in customer behavior, account balances, payment cycles, decision-making structures, and collection complexity.
Define appropriate strategies for different delinquency stages, including internal management, external collection partners, specialized follow-up, and escalation processes.
Develop effective approaches to account prioritization, contactability, payment commitments, negotiation, and follow-up.
Manage and optimize external collection agencies and BPO partners, including performance management, commercial negotiations, service levels, and resource allocation.
3. Analytics, Performance Management & Experimentation
Establish a robust analytical framework to identify portfolio trends, root causes of delinquency, recovery opportunities, and operational bottlenecks.
Translate data into actionable strategies, with clear hypotheses, measurable targets, and follow-through on implementation.
Build dashboards and reporting mechanisms that provide visibility into portfolio performance, operational productivity, and financial outcomes.
Design and execute experiments to assess the effectiveness of collection strategies, communication channels, negotiation approaches, and operational changes.
4. Automation, AI & Operational Transformation
Identify and implement opportunities to automate collections workflows, improve agent productivity, and reduce manual intervention.
Partner with Product, Data, and Engineering to develop AI-powered collection capabilities, including automated outreach, customer engagement, negotiation support, and workflow orchestration.
Establish appropriate monitoring, quality controls, and performance evaluations for automated and human-led collections processes.
5. Team Leadership & Organizational Development
Build, develop, and lead a high-performing collections organization, including operational leaders and specialized capabilities such as analytics, strategy, and process optimization.
Establish clear ownership, performance expectations, and development plans across the team.
Develop a culture of analytical rigor, operational discipline, accountability, and continuous improvement.
6. Cross-Functional Collaboration, Compliance & Customer Experience
Partner with Risk, Finance, Product, and other relevant teams to align collections strategies with portfolio economics and business objectives.
Ensure collections practices comply with applicable regulations, internal policies, and customer treatment standards.
Balance recovery performance with customer experience, maintaining appropriate communication practices and escalation mechanisms.
What we are looking for:
8+ years of experience in collections, credit operations, lending, financial services, or a related field, including significant experience leading collections operations.
Demonstrated experience managing B2B collections portfolios, ideally involving business lending, credit products, financial services, or other receivables with complex payment and negotiation dynamics.

Employment type
Full-Time

Work arrangement
No