Debt Collections Advisor - UK
About this role
Murphy deploys AI agents for banks starting with the most straightforward business case: voice AI for debt collection. We’ve built a fully-fledged platform designed to optimize recovery rates while maintaining respectful and personalized communication.
Our AI-powered agents adapt instantly, engaging with debtors across channels like voice, messengers, email and SMS to maximize results while preserving trust.
We’re live with Santander, Revolut, BBVA and dozens others. We’ve proven the product in large-scale pilots with top-tier banks. And now we need to move fast to secure leadership in this $300Bn+ industry.
💼 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 recruitingDebt-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.
Originally posted on Himalayas