Debt Collections Advisor - UK at Murphy AI

United Kingdom

<p><strong>Murphy AI </strong>is a next-generation <strong>debt collection platform powered by artificial intelligence</strong>, designed to optimize recovery rates while maintaining respectful and personalized communication. Our advanced automation streamlines the process of collecting overdue invoices for businesses, <strong>providing a seamless and effective solution</strong>.</p><p>At Murphy AI, we’re tackling one of the toughest challenges in fintech: <strong>making debt recovery more efficient, autonomous and scalable.</strong> 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, <strong>we’re setting a new standard for how businesses recover payments</strong>.</p><p>As a fast-growing startup that has already made an impact within less than a year in the market, <strong>we are building a talented team to scale our operations and drive our vision forward 🌟</strong></p><h4><strong>💼 About the Role</strong></h4><p>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<strong> Debt-Collection Experts</strong> to join our advisor network in a <strong>consultant/advisor capacity</strong>: no full-time commitment, just your judgment and experience, paid by the hour (roughly <strong>5–20 hours per month</strong>).</p><p>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.</p><h4><strong>📝 Responsibilities</strong></h4><p><strong>Domain Review &amp; AI Validation</strong></p><ul><li><p>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.</p></li><li><p>Validate cadence, cure-rate assumptions, settlement/negotiation ranges, and escalation paths against real-world practice.</p></li><li><p>Stress-test edge cases: disputes, renegotiation, hardship, repeat promises-to-pay, and regulatory triggers.</p></li></ul><p><strong>Compliance &amp; Local Nuance</strong></p><ul><li><p>Flag anything that could create compliance risk under British consumer-protection rules.</p></li><li><p>Advise on tone, channel mix and contact-frequency norms considered acceptable vs. abusive in the The UK market.</p></li></ul><p><strong>Knowledge Transfer</strong></p><ul><li><p>Join periodic working sessions (calls/async review) with Murphy's product and engineering teams.</p></li><li><p>Share real examples, scripts and playbooks from your own collections experience (anonymized, no client data).</p></li></ul><h4><strong>🎯 What We're Looking For</strong></h4><p>We're recruiting across two profiles:</p><ul><li><p><strong>Bank in-house collections leaders</strong> — you've owned the creditor-side process: placement strategy, make-vs-buy decisions, and portfolio oversight.</p></li><li><p><strong>DCA / servicer / BPO collections &amp; contact-centre managers</strong> — you've run the floor: cadence, scripts, cure rates, and agent incentives.</p></li></ul><p>And you likely also have:</p><ul><li><p><strong>5+ years</strong> of experience in collections.</p></li><li><p>Current or recent (≤2 years) experience at a named bank, DCA, servicer or BPO.</p></li><li><p>A title of <strong>Manager, Team Lead, Head, Director or VP</strong> (front-line agent/officer/advisor titles only qualify if you've since moved into managing a team).</p></li><li><p>English Native speaker.</p></li></ul><h4><strong>⏱️ The Engagement</strong></h4><ul><li><p>Format: consultant/advisor, paid hourly.</p></li><li><p>Time commitment: approx. <strong>5–20 hours/month</strong>, flexible around your schedule.</p></li><li><p>Fully remote.</p></li></ul><h4><strong>🚀 Why Join</strong></h4><ul><li><p>Shape how AI actually collects debt at some of the world's top banks</p></li><li><p>Flexible, low-commitment engagement that fits around your current job.</p></li><li><p>Work directly with a founding product/AI team backed by Northzone, ElevenLabs and Lakestar.</p></li><li><p>Competitive hourly consulting fee.</p></li></ul>