Job Description

At Multitude, we’re more than just a listed European FinTech company—we’re a team driving financial innovation. We provide digital lending and online banking services that empower consumers, SMEs, and FinTechs to grow and succeed.
Powered by our Banking-as-a-Service Growth Platform, we operate through three business units: Ferratum, offering seamless mobile banking for consumers; CapitalBox, providing flexible financing for SMEs; and Multitude Bank, supporting non-bank lenders and FinTechs.
In 2024, we achieved €263.7 million in revenue and €20.2 million in net profit, reflecting strong financial growth. With 700+ employees across 25 countries, we’re shaping the future of finance in 17 markets. Founded in 2005 in Finland, Multitude is listed on the Frankfurt Stock Exchange (MULT)We are looking for a Collections Specialist – German Speaker to join our team in Malta. In this role, you will be responsible for proactive customer outreach, payment follow-ups, and managing overdue accounts. You’ll work closely with customers to understand their situations, provide tailored repayment options, and help them meet their financial obligations—all while maintaining professionalism and empathy.Your focus:

• Initiate and manage outbound phone calls and emails to customers with overdue payments
• Build rapport with customers while professionally discussing outstanding balances
• Negotiate realistic and sustainable repayment plans
• Motivate customers to fulfill their financial commitments
• Investigate reasons for delayed payments through structured conversations
• Identify and escalate risk or fraud cases when necessary
• Track and monitor payment agreements to ensure follow-through
• Verify and update customer contact information using various data sources
• Log all actions, customer interactions, and outcomes accurately in internal systems
• Support the collections team and manager with ad hoc tasks and ongoing projects

Required skills & qualifications:Must-have:

• Fluent in German (spoken and written); English fluency is a strong asset
• Excellent interpersonal and communication skills
• Strong problem-solving and conflict resolution abilities
• Motivated, goal-oriented, and resilient in customer-facing situations

Nice-to-have:

• Previous experience in collections, credit control, or customer service
• Experience using CRM or call center tools
• Familiarity with regulated financial environments

We offer:At Multitude, we believe in empowering our employees to thrive personally and professionally. Here's what you can look forward to:

• A Truly Global Workplace – work with professionals from 40+ nationalities, bringing diverse expertise, perspectives, and a collaborative international culture.
• Hybrid & Flexible Work – we support work-life balance with remote work options and modern office spaces across Europe.
• A Culture of Growth – we invest in your future, offering LinkedIn Learning, mentorship, and professional development programmes, including HiPo and leadership development initiatives to support career advancement.
• Financial Growth Opportunities – benefit from our share purchase matching programme, allowing you to invest in your future with matched contributions and long-term financial rewards.
• Workation Programme – work remotely from different countries for up to 2 months per year, experiencing new cultures while staying connected and productive.
• Wellbeing Benefit – receive an annual allowance to support your physical and mental wellbeing.

• Private Health Insurance – access comprehensive medical coverage to support your health.
• Weekly Office Breakfast – enjoy a fresh start every Friday with breakfast at the office.

By proceeding to apply for a job with us, you confirm that you have read and accept our Recruitment Privacy Policy

Multitude

More Info

Education