Debt Collections Advisor - Germany

• 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 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, escape, 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, Eleven Labs and Lakestar.
• Competitive hourly consulting fee.
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