--- title: 'Collections Lifecycle Manager at Baubap' canonical: 'https://feeny.ai/job/collections-lifecycle-manager-baubap-mexico-38zm1ab2vt2v' type: 'job' last_seen: '2026-09-12' --- # Collections Lifecycle Manager at Baubap - **Company:** Baubap - **Location:** Mexico - **Work type:** remote - **Posted:** 2026-05-26 - **Last confirmed live:** 2026-09-12 - **Apply:** https://job-boards.greenhouse.io/baubap/jobs/5231326008 ## Job description The mission: At Baubap, we believe financial products should create freedom, not fear. That belief extends to every interaction we have with our customers, especially when they fall behind on payments. Unlike traditional lenders, we have never built a conventional collections operation based on pressure, harassment, or intimidation. We believe people deserve dignity regardless of their financial situation. We are looking for our very first Collections Lifecycle Manager: someone capable of designing an entirely new approach to overdue loan recovery. This role is not about building a call center. It is about building intelligent recovery journeys, empathetic communications, predictive systems, incentives, and experiences that help customers recover while preserving trust. We are looking for someone who deeply understands collections but who is also excited to challenge almost everything about how collections are traditionally done. The expected outcome: You will own the full overdue customer lifecycle at Baubap. This includes designing: - Recovery journeys across channels and delinquency stages - Messaging strategies, tone of voice, and customer communication frameworks - Behavioral incentives that increase repayment without coercion - Predictive models and segmentation strategies - Product experiences that help customers recover financially - AI-powered workflows and automation systems - Testing frameworks to continuously improve recovery performance and customer experience You will work cross-functionally with Product, Data Modeling, Engineering, Risk, Brand, and Customer Experience to create a collections function unlike anything that exists today in consumer lending. Over time, you will also build and lead a small team of highly analytical and creative builders who share. Success in this role is not measured only by recovery rates. It is measured by: - Building world-class recovery performance while maintaining customer trust - Reducing friction, anxiety, and shame in collections interactions - Creating scalable and intelligent systems instead of manual operations - Helping customers return to financial health - Proving that respectful collections can outperform aggressive collections Why YOU should apply: - Extensive experience in collections, recovery, or delinquency management in lending or fintech - Strong understanding of collections operations, strategy, and recovery economics - Experience designing collections flows, segmentation, and customer treatment strategies - Familiarity with predictive modeling, risk signals, and behavioral analytics - Experience working with digital channels such as SMS, WhatsApp, push notifications, email, IVR, and in-app communication - Ability to work cross-functionally with technical and non-technical team What Makes Someone Exceptional For This Role - You question traditional collections practices instead of defending them - You understand human behavior as much as spreadsheets - You care deeply about how customers feel during financial stress - You have imagination and are excited to experiment - You can combine operational rigor with creativity - You are excited about AI, automation, personalization, and modern communication systems - You believe recovery performance and customer dignity are not mutually exclusive - You want to help shape the future of consumer finance in Latin America. ## Why This Role Matters Millions of people have learned to associate collections with fear, shame, and harassment. We want to change that. At Baubap, we believe financial technology should help people move forward specially when they struggle. This role is an opportunity to build one of the most important and differentiated capabilities in our company from the ground up. And if we do it right, we believe it can become a new standard for the industry. What we can offer: - Being part of a multicultural, highly driven team of professionals - 20 vacation days / year + 75% holiday bonus (Prima Vacacional) - 1 month (proportional) of Christmas bonus (Aguinaldo) - Food vouchers - Health & Life insurance - Competitive salary ## About Baubap ## Company Overview - **One-liner**: Baubap is a Mexican fintech company providing instant, AI-powered micro-loans through a mobile app without requiring a credit history or income verification. - **Entity Type**: Private (funded startup, Y Combinator S21) - **Headquarters**: Mexico City, Mexico - **Founded**: 2018 - **Founders**: Roberto Salcedo (CEO) and Luis Villarreal Castilla (CTO) ## Core Business - Primary industry/industries: Financial Services, Consumer Lending, Fintech - Target customers: B2C — underbanked and unbanked individuals in Mexico who need quick access to small loans - Mission or purpose statement: “Building the bridge to financial freedom for our clients, by providing them with the economic support that they need and when they need it.” — vision to become the largest digital lender and most inclusive bank in Latin America by 2030. ## Products & Services - **Baubap Mobile App (Android only)**: A mobile-first lending platform that offers instant loans from $500 MXN to $10,000 MXN with repayment periods from 90 days to 24 months. Uses proprietary AI technology to assess creditworthiness based on smartphone data instead of traditional credit bureau checks. - **Va de Vuelta Program**: A loyalty feature that returns a percentage of interest paid on loans when customers pay on time. - **Invita y Gana Referral Program**: Users earn cash rewards (from $100 MXN) for referring successful borrowers. ## Market Standing - **Valuation/Market Cap**: Not publicly disclosed - **Total Funding**: $143.6M (including $120M debt financing led by SixPoint Capital Management in February 2024, plus earlier rounds from Y Combinator, Seedstars, and others) - **Key Metric**: Total funding of $143.6M; team size of ~150 (per Y Combinator profile) to 73 (per LinkedIn headcount, with +11.5% yearly growth) - **Notable Investors/Partners**: Y Combinator (Summer 2021 batch), SixPoint Capital Management, Seedstars, Leonis Investment, Alfin - **Growth Signals**: Debt financing of $120M in 2024 signals strong institutional confidence; Y Combinator backing; operates in 13 countries (including Colombia, Argentina, US, France, Peru); consistent headcount growth (+11.5% YoY); active job postings up +33.3% yearly ## Competitive Advantages - **AI-first underwriting**: Uses proprietary AI and smartphone data to assess credit risk without requiring traditional credit history or income proof, enabling financial inclusion for millions of Mexicans left out of the formal banking system. - **Zero-harassment collection policy**: Explicitly states “No tenemos departamento de cobranza” (no collections department) and a “Política Cero Acoso” — a strong differentiator in a market where aggressive collection tactics are common. - **Regulatory compliance**: Registered as a SOFOM with CONDUSEF (Mexico’s financial consumer protection agency), adding trust and legitimacy. - **Y Combinator pedigree**: Part of the prestigious Y Combinator accelerator (Summer 2021), providing network and credibility. ## Strategic Focus - **Scaling lending operations in Mexico and Latin America**: Using the $120M debt facility to expand loan book and customer base. - **Becoming a full digital bank**: Vision to evolve from a lending app into “the most inclusive bank in Latin America” by 2030. - **Technology and AI investment**: Continued refinement of AI credit models and expansion of engineering team (actively hiring Senior Software Engineers, Data Scientists, and ML Engineers). - **Product expansion**: Loyalty programs (Va de Vuelta) and referral systems to drive customer retention and organic growth. ## Why Work Here - **High-growth fintech with strong backing**: Y Combinator alumni with $143.6M in funding and clear growth trajectory — offers startup equity and career acceleration. - **Impact-driven mission**: Directly addresses financial inclusion for underserved populations in Mexico. - **Engineering culture**: Active hiring for Senior Software Engineers (remote options), iOS engineers, and Data Scientists; tech stack includes Python, ML, and modern infrastructure. - **Remote-friendly**: Senior Software Engineer roles are listed as remote; other roles are Mexico-based with hybrid/office options. - **Compensation and culture**: Employee reviews on LinkedIn rate compensation at 4.1/5.0, culture at 3.4/5.0, and career growth at 3.5/5.0 — above-average for the fintech space. - **International team**: Headquartered in Mexico City with employees across 13 countries including Colombia, Argentina, US, France, and Peru — diverse, multicultural environment. - **Notable perks**: Referral bonuses, loyalty rewards for customers, and a stated commitment to ethical lending practices. ## Sources 1. [baubap.com](https://www.baubap.com/) 2. [ycombinator.com](https://www.ycombinator.com/companies/baubap) 3. [linkedin.com](https://www.linkedin.com/company/baubap) 4. [tracxn.com](https://tracxn.com/d/companies/baubap/__C8tENI4qvxpx5K1pK4C2gOwdTPd8F9aN4uhwLXko6J8) 5. [greenhouse.io](http://job-boards.greenhouse.io/baubap) ## Other roles at Baubap - [Senior CRM Specialist - Recovery](https://feeny.ai/job/senior-crm-specialist-recovery-baubap-mexico-9ny9t3ejf4fk) — Mexico - [Tax & Compliance Manager](https://feeny.ai/job/tax-compliance-manager-baubap-mexico-69a062zt5ce0) — Mexico