Early Stage Arrears Collections Manager

Reporting to: Head of Collections & Recoveries

Location: London, UK

Elect Capital backs ambitious UK businesses with capital that cuts through the noise. Built for speed, edge and action, we deliver funding where others stall. We’re not here to reinvent lending – we’re here to do it better. We move at the pace of our clients and connect them to capital that works.

Elect offers 1–6 month fixed-term business finance with daily or weekly repayments and fast, transparent decisions. 90% of completed applications receive an offer within 4 hours – with clear pricing, no unnecessary hurdles, and a team that knows how to get deals done. Whether a client applies directly or via a broker, we aim to make the funding journey sharp, clean and simple.

OUR MISSION

We are on a mission to back ambition. Disrupting the lines of traditional finance and providing access to ambitious businesses, with capital that moves as fast as they do.

OUR VALUES: C.O.R.E

• Challenge – Ask the hard questions. Improve what you touch.
• Opportunity – Spot it. Shape it. Run with it.
• Resilience – Stay steady. Adapt fast. Keep momentum.
• Edge – Think sharp. Move sharp. Stand out.

We hire people who act fast, think commercially, and bring clarity to everything they do.

THE PERFECT FIT

• A sharp mind and a strong work ethic
• The ability to stay calm, focused and accurate under pressure
• A natural instinct to spot issues, fix them fast, and always look for a better way
• Resilient and a team-first mentality – we challenge each other daily, but we back each other even harder
• A bias for clarity, action and ownership
• A desire to go beyond the job description and raise the bar

THE ROLE

As an Early Stage Arrears Collections Manager, you’ll play a key role in managing relationships with existing Elect Capital customers; managing accounts in early stage arrears which is a pre-cursor to late stage arrears / recovery processes. This role is ideal for someone who’s commercial, proactive, and thrives on delivering value through human connection.

Key Responsibilities

• Managing the performance of the loan book via contacting customers (omnichannel) to resolve missed / overdue payments as part of our internal debt collection processes
• Continuous Improvement: Contribute to refining collections frameworks, policies, and decision-making processes
• Reporting: devise and provide feedback / reporting suitable for senior management / shareholders / investors
• Technology & Analytics: work alongside the Tech and Analytics teams to enhance our collections processes

Key Skills & Experience

• 2+ years of experience in UK based Debt Collection (SME specific preferred but not essential)
• Excellent relationship-building and communication skills
• The ability to prioritise under pressure in a fast-moving environment
• An analytical mindset with a practical, problem‑solving approach
• Attention to detail with a commitment to accuracy and efficiency
• A proactive attitude in suggesting innovative solutions and process improvements

Our Offer?

• A fast, focused environment where your impact is immediate
• Ownership over your work and a voice in how we improve
• Opportunities to grow with a company that’s scaling quickly
• A team that values clarity, pace, and practical thinking
• Competitive salary and path for progression
• A chance to contribute to a mission-driven company

Seniority level

Associate

Employment type

Full-time

Job function

Business Development