At a Glance
- Tasks: Support customers in financial difficulties and lead a team of collection advisors.
- Company: DF Capital, an innovative bank focused on tailored financial solutions.
- Benefits: Private medical insurance, generous leave, gym membership, and pension contributions.
- Other info: Join a dynamic team in Manchester with opportunities for career growth.
- Why this job: Make a real difference by helping customers navigate their financial challenges.
- Qualifications: Experience in collections, strong communication skills, and a customer-focused mindset.
The predicted salary is between 40000 - 50000 £ per year.
Description
We’re DF Capital – a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses.
Based in Manchester, we serve thousands of customers across the UK and into Europe, supporting their ambitions with tailored financial solutions.
We help our customers realise their ambitions by doing things differently – combining the agility and innovation of a specialist lender with the security and service standards of a regulated bank.
Whether it’s flexible lending structures or straightforward savings options, we focus on what matters most to our customers.
In 2025, we launched DF Capital Retail Finance – a subsidiary of DF Capital Bank Limited – to offer specialist hire purchase solutions to retail customers.
Our goal is simple: to do the absolute best for our customers, our communities, and each other.
Requirements
We are looking for a talented Collections Specialist to work on our Asset Finance proposition.
You will join our Credit & Portfolio team with responsibility for supporting our customers should they fall into difficulties during their loan repayment period.
You will spend time with our customers to understand their circumstances and situation, enabling you to provide them with the help they need to get back on track and supporting them through to disposal of the asset (should that ultimately prove to be the best outcome.)
You will be customer focused, detail-driven, diligent, meticulous, and considered in your approach, making the right decisions to drive the best possible outcomes for the Bank and our customers.
RESPONSIBILITIES AND DUTIES
DF Capital are passionate about providing employees with the right training and support to help them excel in their roles and future careers.
We are confident that an applicant with the right attitude and drive will succeed in this role.
- Other duties may be assigned outside of the following duties and responsibilities:
- Lead on all contact with our customers in financial difficulties (you will be speaking directly to our customers every day), handling inbound and outbound calls, as well as written communications including complaints
- Lead team of collection advisors
- Deliver a positive and professional approach to collections, ensuring our customers are treated with respect and empathy at all times
- Negotiate, monitor and implement repayment solutions that deliver the right outcomes for our customers and the Bank
- Ensure the available arrangement/forbearance toolkit is fit for purpose and employed as intended
- Manage our customers through the collections and recoveries process, all the way through to repossession
- Instruct and liaise with third parties such as reconnection or repossession services
- Continuously improve on processes, approaches and communications
- Make recommendations on changes to strategy and policies to deliver the best outcomes for the Bank and our customer
- Remain compliant with all applicable legislation and regulation at all times
- Collaborate with internal teams such as Credit and Legal to ensure a coordinated approach to collections and recoveries
- Maintain accurate and timely records of all customer interactions and recovery actions across the portfolio
REQUIREMENTS
- Extensive experience of supporting customers through the collection process in a regulated environment
- Strong communication skills and a real ability to develop positive relationships over a phone call
- Knowledge of best practice approaches to collections, including latest developments on fact finding and vulnerability management techniques
- A proven ability to improve the way a collections team is managed, with a strong personal view on what good looks like
- A commitment to delivering the best customer outcomes
- A desire to lead and build a collections approach from scratch
- Some knowledge of the asset finance sector, including repossession of goods
- Highly adaptive, able to think their way through varied situations, whilst able to keep their eye on delivering the best outcomes
- Able to adhere to company policy, and challenge existing thought processes in the right way
- Experience with Salesforce would be beneficial
- Experience of commercial collections and recoveries would be beneficial
Benefits
- Private medical insurance for you and your partner
- 10% Employer pension contribution
- 30-day annual leave entitlement plus Bank/Public Holidays
- Free Gym Membership
- Discretionary annual bonus
- Discretionary share awards
- Life Assurance
- Income Protection
- Save As You Earn company share acquisition scheme
- Tax efficient salary sacrifice scheme to obtain bicycles and electric vehicles
- 4 days of paid Volunteering leave to support our local communities
- World Class offices located in the lively city centre of Manchester
Consumer Collections & Recoveries Manager employer: DF Capital
At DF Capital, we pride ourselves on being an exceptional employer, offering a vibrant work culture in the heart of Manchester that fosters innovation and collaboration. Our employees enjoy a range of benefits including private medical insurance, generous annual leave, and opportunities for professional growth, all while contributing to our mission of supporting customers and communities. With a focus on employee well-being and a commitment to doing the best for each other, DF Capital is the ideal place for those seeking meaningful and rewarding careers in the financial sector.
StudySmarter Expert Advice🤫
We think this is how you could land Consumer Collections & Recoveries Manager
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like DF Capital. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Consumer Collections & Recoveries Manager
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to DF Capital.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on DF Capital's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at DF Capital
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with DF Capital.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at DF Capital will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former DF Capital employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
