Collections manager

Our client has an exciting opportunity for a Collections Manager to join their team in Rocester. Hybrid working is available; 3 days in the office and 2 working from home. The ideal candidate will be self-motivated, results-orientated, and a team player who is experienced in asset finance-based collections and recoveries. Proven knowledge of Consumer Credit Act lending is essential (c.15% of the company portfolio is Regulated). The role holder will have responsibility for managing arrears, default, forbearance, termination of agreements, recovery of assets, and bad debt. Responsibilities: * Assisting and supporting the Director of Asset Management and Recoveries to provide effective support for the company rsquo;s recoveries and default activities. * Managing the daily loan arrears in line with company policy and procedures. * Supporting customers to implement strategies for resolving delinquent payment and defaults. * Making recommendations to the Director and agreeing appropriate recovery plans, for non-performing loans. * Leading, mentoring, and developing a small team. * Implementing strategies to continuously improve collection procedures, contributing to the company rsquo;s overall financial objectives, and managing risk. * Developing a framework for setting policies and procedures, with a focus on CCA Regulated cases. * Working within company policy, procedure, legislation, and regulation, to recover assets and mitigate bad debt. * Supporting the Director to consult with Solicitors, Insolvency Practitioners/Administrators where necessary. * Developing and maintaining relationships and networks with clients and stakeholders. Skills Knowledge: * Consumer Credit Act regulated lending knowledge and experience, ideally within the construction, agricultural and/or industrial sectors. * Conversant with other financial services regulation and compliance including The Conduct Rules (FCA), anti-money laundering, DPA, Vulnerable Customers, Treating Customers Fairly, and fraud. * Financial and commercial awareness evidencing proven success in asset finance and/or banking commercial relationship management. * Analytical skills ideally developed through knowledge of credit risk lending practice in this or similar sectors. * Excellent IT, administration, and organisational skills. * Ability to make a key contribution to the development and improvement of in-house systems and operational procedures. * Proven experience of effective leadership and developing people to be excellent in their field. Pay Benefits: * Competitive salary * Excellent pension scheme (15% employer contribution) * Discretionary bonus scheme (up to 15%) * 25 days holiday plus bank holidays, up to 5 service days after eligibility * Hybrid working after training (2 days home / 3 days office, or fully office if preferred)