Collections and Recoveries Specialist

iwoca

Collections & Recoveries Specialist handling complex overdue accounts at iwoca. Engaging with customers for negotiated settlements and managing recovery processes across high-value accounts.

Posted 7/6/2026full-timeLeeds • 🇬🇧 United KingdomJuniorMid-Level💰 £34,000 - £46,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates end-to-end debt recovery expertise through UK courts and insolvency procedures, with a strong focus on managing high-value accounts and developing realistic repayment plans for SMEs. Exhibits sound commercial judgement and effective communication skills to navigate complex financial situations.

Highest-signal resume keywords

Debt Recovery ExperienceInsolvency ProceduresHigh-Value Account ManagementStrong Communication SkillsCommercial Judgement

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Debt RecoveryInsolvency ProceduresPortfolio ManagementNegotiated SettlementLitigation ExperienceBankruptcy ManagementFinancial Assessment

Soft Skills

EmpathyPatienceProfessionalismConfidence

Industry Keywords

Finance IndustryLending IndustrySME SupportCommercial Sector

About the role

Key responsibilities & impact

Own complex and high-value overdue accounts from start to resolution.
Take accounts from negotiated settlement, litigation or insolvency.
Communicate effectively with customers and stakeholders to secure the best outcome for iwoca and our customers.
Manage a portfolio of accounts with outstanding balances up to £1m through to completion.
Manage inbound and initiate outbound telephone calls, letters and emails with care and professionalism.
Work closely with small to medium business owners to understand their financial situation and agree on realistic repayment plans where possible.

Requirements

What you’ll need

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 portfolio.
At least 2 years debt recovery and / or insolvency experience, ideally in the commercial/business sector.
Sound commercial judgement and the confidence to make decisions on complex, high-value accounts.
A patient, empathetic and professional manner, especially in difficult conversations.
Strong communication skills, accuracy and confidence.
Experience managing a large portfolio of high-value business cases (desirable).
Experience in the finance or lending industry (desirable).
Experience with bankruptcy and high level litigation cases (desirable).
Business acumen and genuine enthusiasm for helping SMEs (desirable).

Benefits

Comp & perks

Flexible working hours.
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.
Two company retreats a year: we’ve been to France, Italy, Spain, and further afield.
A learning and development budget for everyone.
Company-wide talks with internal and external speakers.
Access to learning platforms like Treehouse.