Recoveries Officer

We are the internal recruitment partner for our client, a UK debt recovery and financial services business, providing professional, ethical and commercially focused solutions across the full debt recovery lifecycle.

Are you confident handling challenging conversations, finding practical solutions and making sound decisions?

We're looking for an experienced Recoveries Officer to manage delinquent, defaulted and impaired lending accounts throughout the recovery process.

You'll manage a varied portfolio across personal, commercial and asset finance, balancing commercial judgement, customer care and compliance to maximise recoveries, minimise losses and achieve fair customer outcomes.

Your responsibilities will include:

Managing and progressing delinquent and defaulted accounts. Contacting customers through telephone, email, letter, SMS and other approved channels. Assessing individual circumstances and determining appropriate recovery strategies. Negotiating repayment arrangements, settlements and sustainable resolutions. Identifying vulnerable customers and applying appropriate forbearance. Supporting asset recovery, repossessions and enforcement activity. Working with solicitors, insolvency practitioners, recovery agents, valuers and auction houses. Supporting litigation and insolvency cases, including bankruptcies, IVAs, administrations and liquidations. Maintaining accurate case records and producing portfolio and management information. Identifying risks, trends and opportunities to improve recovery performance. Ensuring every action complies with legal, regulatory and company requirements.We're looking for someone who is professional, resilient, commercially aware and customer focused.

You'll ideally have experience in recoveries, collections, debt resolution, customer service or financial services, together with:

Excellent communication and negotiation skills. Confidence managing difficult or sensitive conversations. Strong organisation and the ability to prioritise multiple cases. Good analytical and problem-solving skills. Strong IT and systems capability. Excellent attention to detail and record-keeping skills. A genuine understanding of treating customers fairly and achieving positive outcomes.In return we are offering:

Competitive salary circa £37,500 Office-based role in Basingstoke, Monday to Friday, 9:00am - 5:00pm (35 hours per week). Friendly, collaborative team culture with a supportive management approach. 25 days' annual leave plus bank holidays. Opportunities for growth within a well-established and expanding financial services organisation. Discretionary bonus scheme. Death in service - 4x annual salary. Pension contributions 4% employer, 5% employee. Employee Assistance Programme Various wellbeing and Social events throughout the year