Debt Collections Advisor - UK

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 The UK — 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 UK 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 The UK 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).
• English Native speaker.

⏱️ 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.