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- Tasks: Lead recovery activities for delinquent mortgage accounts and manage legal partnerships.
- Company: Join a respected private bank known for personalised service to high-net-worth clients.
- Benefits: Enjoy a competitive salary, hybrid work options, and long-term career development.
- Why this job: Be part of a values-led culture with exposure to complex cases and impactful work.
- Qualifications: Experience in debt recoveries, strong knowledge of UK legal frameworks, and excellent communication skills.
- Other info: This is a key role with significant responsibility in a growing team.
The predicted salary is between 64000 - 96000 £ per year.
Location: London
Salary: 80 -120k (subject to experience)
Type: Permanent, Full-Time (3/2 Hybrid)
Industry: Private Banking
We are working with a respected private bank renowned for its personalised approach to high-net-worth clients and tailored mortgage solutions, including both residential and buy-to-let lending. As part of continued growth and a commitment to robust credit management, we are seeking an experienced Debt Recoveries & Collections Manager to join their team. This is a key hire for the business and will play a pivotal role in managing recovery strategies across a complex mortgage book, engaging with legal partners, and ensuring full regulatory compliance.
The Role:
As Debt Recoveries & Collections Manager, you will be responsible for leading and executing recovery activities across delinquent mortgage and buy-to-let accounts. You will work closely with solicitors, asset managers, and internal stakeholders to ensure recoveries are handled professionally, efficiently, and in line with regulatory standards.
Key Responsibilities:
- Manage a portfolio of distressed mortgage and buy-to-let cases through the full recovery lifecycle.
- Instruct and liaise with solicitors and third-party service providers, including receivers and asset managers.
- Ensure full adherence to regulatory requirements (including FCA, PRA, and GDPR) and internal compliance policies.
- Support litigation and enforcement action where appropriate, maintaining accurate documentation and case progression.
- Produce and analyse MI reports to track performance, trends, and case outcomes.
- Provide insights and recommendations to senior management on portfolio risk and recovery strategies.
- Work collaboratively with Risk, Credit, and Legal teams on complex or sensitive matters.
Ideal Candidate Profile:
- Demonstrable experience in debt recoveries and collections, ideally within the private banking, mortgage lending, or buy-to-let space.
- Strong working knowledge of UK legal and regulatory frameworks relating to debt recovery, repossession, and litigation.
- Confident managing solicitor relationships and comfortable overseeing legal processes.
- Commercially astute with the ability to balance client care and business outcomes.
- Exceptional attention to detail, organisational skills, and a proactive mindset.
- Excellent communication and stakeholder engagement skills.
What’s on Offer:
- A rare opportunity to join a highly regarded private bank with a stable, values-led culture.
- Exposure to high-quality work and complex, interesting cases.
- Competitive salary and benefits package.
- Long-term career prospects and support for personal development.
Debt Manager employer: ETRA Talent
Contact Detail:
ETRA Talent Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Debt Manager
✨Tip Number 1
Network with professionals in the private banking sector, especially those who have experience in debt recoveries and collections. Attend industry events or join relevant online forums to connect with potential colleagues or mentors who can provide insights into the role.
✨Tip Number 2
Familiarise yourself with the latest regulatory frameworks related to debt recovery in the UK. Being well-versed in FCA, PRA, and GDPR regulations will not only boost your confidence but also demonstrate your commitment to compliance during interviews.
✨Tip Number 3
Prepare to discuss specific case studies or examples from your past experience that highlight your ability to manage distressed mortgage cases. This will showcase your practical knowledge and problem-solving skills, which are crucial for the Debt Manager role.
✨Tip Number 4
Research the bank's values and culture to align your approach during interviews. Understanding their personalised approach to high-net-worth clients will help you articulate how your experience and skills can contribute to their mission.
We think you need these skills to ace Debt Manager
Some tips for your application 🫡
Tailor Your CV: Make sure your CV highlights relevant experience in debt recoveries and collections, particularly within private banking or mortgage lending. Use specific examples to demonstrate your skills in managing distressed cases and liaising with solicitors.
Craft a Compelling Cover Letter: Write a cover letter that showcases your understanding of the role and the company. Emphasise your experience with UK legal frameworks and your ability to balance client care with business outcomes. Make it personal and engaging.
Highlight Regulatory Knowledge: In your application, clearly outline your knowledge of regulatory requirements such as FCA, PRA, and GDPR. This is crucial for the role, so provide examples of how you've ensured compliance in previous positions.
Showcase Communication Skills: Since the role involves significant stakeholder engagement, highlight your communication skills. Provide examples of how you've successfully managed relationships with solicitors and other stakeholders in past roles.
How to prepare for a job interview at ETRA Talent
✨Know Your Regulatory Frameworks
Familiarise yourself with the UK legal and regulatory frameworks related to debt recovery, repossession, and litigation. Being able to discuss these confidently will demonstrate your expertise and understanding of the industry.
✨Showcase Your Experience
Prepare specific examples from your past roles that highlight your experience in managing distressed mortgage and buy-to-let cases. Use the STAR method (Situation, Task, Action, Result) to structure your responses effectively.
✨Engage with Stakeholders
Be ready to discuss how you have successfully managed relationships with solicitors, asset managers, and other stakeholders. Highlight your communication skills and ability to collaborate on complex matters.
✨Demonstrate Commercial Acumen
Illustrate your ability to balance client care with business outcomes. Prepare to discuss how you've made decisions that positively impacted both clients and the organisation's bottom line.
