Collections Specialists (Financial Services - FULLY REMOTE) in Leeds

Opportunities often don't wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that's as flexible and responsive as they are.Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed.Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive.We're looking for a Collections & Recoveries Specialist We're looking for an experienced Collections & Recoveries Specialist to own our most complex and high-value overdue accounts — taking each one from start to resolution, whether that's a negotiated settlement, litigation or insolvency. This is a specialist recoveries role covering contentious and non-contentious collections. You'll already understand the end-to-end lifecycle of these types of accounts and be confident communicating with customers and stakeholders to secure the best outcome for iwoca and our customers.The teamThe Collections & Recoveries team at iwoca is responsible for supporting customers who have fallen behind on repayments, with a focus on achieving fair, sustainable outcomes for both the customer and the business.The team takes a customer-first, solutions-oriented approach, working closely with small to medium business owners to understand their financial situation and agree on realistic repayment plans where possible. They balance empathy with commercial awareness, ensuring regulatory compliance while protecting iwoca's loan portfolio.Where you'll workThis is a hybrid role based in Leeds or London. For your first month you'll be in the office every day for training, with the expectation dropping to once or twice a week thereafter.You will have strong hands-on experience in either debt recovery through the UK courts and/or insolvency procedures. You will know the lifecycle of these accounts from beginning to end and can confidently handle the complexities that come with them.You will manage a portfolio of accounts with outstanding balances up to 1m through to completion with varying and unique circumstances, managing inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and professionallism.A portfolio of complex, high-value accounts through to resolution — including County Court Judgments (CCJs), charging orders and enforcement actionReviewing the full financial and asset picture of an account to decide the best route to recoveryRecommending and evidencing the right strategy for each account — a negotiated settlement, a repayment arrangement, or pursuing recovery through litigationNegotiating and monitoring repayment arrangements on difficult accounts, with clear consequences for non-paymentInstructing and liaising with internal paralegals and external insolvency practitionersThe requirementsWe look for people who are smart, humble, motivated and who are always looking to improve.Essential:End-to-end, hands-on experience of debt recovery through the UK courts and/or insolvency procedures. This is essential — you'll be expected to assess the strategic recovery position on each account to maintain your assigned portfolioAt least 2 years debt recovery and / or insolvency experience, ideally in the commercial/business sectorSound commercial judgement and the confidence to make decisions on complex, high-value accountsA patient, empathetic and professional manner, especially in difficult conversationsStrong communication skills, accuracy and confidenceDesirable / Nice to haveExperience managing a large portfolio of high-value business casesExperience in the finance or lending industryExperience with bankruptcy and high level litigation casesBusiness acumen and genuine enthusiasm for helping SMEsWe don't expect you to tick every desirable box — but the courts and/or insolvency recovery experience above is genuinely essential for this role. We're a tech company and believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan always has access to the best models and where those models have access to all of our data. We will help our people to learn how to use and grow with the new tools available to them.Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions.Medical insurance from Vitality, including discounted gym membership.A private GP service (separate from Vitality) for you, your partner, and your dependents.25 days' holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave.A one-month, fully paid sabbatical after four years.Instant access to external counselling and therapy sessions for team members that need emotional or mental health support.3% Pension contributions on total earnings.An employee equity incentive scheme.Generous parental leave and a nursery tax benefit scheme to help you save money.Electric car scheme and cycle to work scheme.