Collections & Recoveries Specialist

Overview

In this role you will own complex, high-value overdue accounts from start to resolution, leveraging end-to-end debt recovery, negotiations and, when needed, litigation or insolvency. You’ll work within a customer-first, solutions-focused team that balances fair treatment with the business’ recovery goals. You’ll engage with small to medium business owners to structure sustainable repayment plans while ensuring regulatory compliance. This is a fast-paced, commercially driven position at a growing fintech committed to helping SMEs succeed.

Pay / Benefits

• Flexible working hours
• Medical insurance from Vitality with gym discount
• Private GP service for dependents
• 25 days’ holiday + birthday day off + additional leave options
• Sabbatical after four years
• Pension contributions (3%) and equity incentive scheme

Responsibilities

• Manage a portfolio of high-value accounts with balances up to 1m through to resolution
• Review financial and asset profiles to determine optimal recovery path
• Recommend and evidence strategy per account (negotiated settlement, repayment plan, or litigation)
• Negotiate and monitor repayment arrangements on difficult cases
• Instruct and liaise with internal paralegals and external insolvency practitioners
• Handle inbound and outbound communications with care, accuracy and professionalism
• Oversee cases involving CCJs, charging orders and enforcement actions

Key requirements

• End-to-end debt recovery experience through UK courts and/or insolvency procedures (essential)
• Minimum 2 years in debt recovery and/or insolvency, preferably in commercial/business sector
• Strong commercial judgement and decision-making on complex, high-value accounts
• Patient, empathetic and professional communication
• Strong communication, accuracy and confidence

• Empathy in difficult conversations
• Commercially aware
• Self-motivated and improvement-oriented
• Debt recovery through courts and/or insolvency procedures
• Negotiation and settlement planning
• Regulatory compliance awareness

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