Debt Collections Advisor - Germany

Murphy AI is a next-generation debt collection platform powered by artificial intelligence, designed to optimize recovery rates while maintaining respectful and personalized communication. Our advanced automation streamlines the process of collecting overdue invoices for businesses, providing a seamless and effective solution.

At Murphy AI, we’re tackling one of the toughest challenges in fintech: making debt recovery more efficient, autonomous and scalable. Our AI-powered agents adapt instantly, engaging with debtors across channels like voice, email and sms to maximize results while preserving trust. By combining advanced artificial intelligence with powerful automation, we’re setting a new standard for how businesses recover payments.

As a fast-growing startup that has already made an impact within less than a year in the market, we are building a talented team to scale our operations and drive our vision forward

About the Role

Murphy is building the AI agents that will run real collections conversations for banks, lenders and collection agencies across Germany — and we need people who've actually done the job to make sure our AI does it right. We're recruiting Debt-Collection Experts to join our advisor network in a consultant/advisor capacity: no full-time commitment, just your judgment and experience, paid by the hour (roughly 5–20 hours per month).

You'll work directly with Murphy's product and AI teams to pressure-test how our voice agents negotiate, escalate, and stay compliant — bringing the floor-level and strategic reality of the German collections into how we design and train our technology.

Responsibilities

Domain Review & AI Validation

• Review call flows, scripts and negotiation logic used by Murphy's AI agents and flag anything that doesn't match how a real collections desk would handle it.
• Validate cadence, cure-rate assumptions, settlement/negotiation ranges, and escalation paths against real-world practice.
• Stress-test edge cases: disputes, renegotiation, hardship, repeat promises-to-pay, and regulatory triggers.

Compliance & Local Nuance

• Flag anything that could create compliance risk under British consumer-protection rules.
• Advise on tone, channel mix and contact-frequency norms considered acceptable vs. abusive in the German market.

Knowledge Transfer

• Join periodic working sessions (calls/async review) with Murphy's product and engineering teams.
• Share real examples, scripts and playbooks from your own collections experience (anonymized, no client data).

What We're Looking For

We're recruiting across two profiles:

• Bank in-house collections leaders — you've owned the creditor-side process: placement strategy, make-vs-buy decisions, and portfolio oversight.
• DCA / servicer / BPO collections & contact-centre managers — you've run the floor: cadence, scripts, cure rates, and agent incentives.

And you likely also have:

• 5+ years of experience in collections.
• Current or recent ( 2 years) experience at a named bank, DCA, servicer or BPO.
• A title of Manager, Team Lead, Head, Director or VP (front-line agent/officer/advisor titles only qualify if you've since moved into managing a team).

️ The Engagement

• Format: consultant/advisor, paid hourly.
• Time commitment: approx. 5–20 hours/month, flexible around your schedule.
• Fully remote.

Why Join

• Shape how AI actually collects debt at some of the world's top banks
• Flexible, low-commitment engagement that fits around your current job.
• Work directly with a founding product/AI team backed by Northzone, ElevenLabs and Lakestar.
• Competitive hourly consulting fee.