Collections Portfolio Manager

Toyota (GB) plc

Collections Portfolio Manager optimising end-to-end arrears performance for Toyota Financial Services UK. Balancing financial outcomes, regulatory compliance and customer-centric collections strategies.

Posted 8/20/2026full-timeEpsom • 🇬🇧 United KingdomMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in collections strategy and portfolio management within financial services, with a strong focus on data analysis, stakeholder management, and regulatory compliance. Proficient in optimizing collections performance while ensuring fair customer outcomes and adherence to FCA regulations.

Highest-signal resume keywords

Collections Strategy DevelopmentAdvanced Microsoft Excel SkillsData Analysis and InterpretationStakeholder ManagementRegulatory Compliance Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Collections StrategyPortfolio ManagementData AnalysisSegmentationPerformance ReportingForecasting TechniquesRisk AnalysisData ValidationSQLManagement Information (MI)

Soft Skills

Analytical SkillsAttention to DetailProblem-Solving SkillsCommunication SkillsCollaborative Approach

Tools & Technologies

Power BITableauMicrosoft Excel

Industry Keywords

Financial ServicesMotor FinanceFCA RegulationsConsumer DutyCollections Lifecycle

Tech Stack

Tools & technologies

SQLTableau

About the role

Key responsibilities & impact

Own and manage end-to-end collections portfolio performance across all delinquency stages, from early arrears through recoveries.
Produce MI and data showing hotspots, improvement areas and future risks.
Develop and implement collections strategies to reduce arrears, minimise losses and improve cure rates.
Analyse vehicle disposal proceeds against forecast residual values, investigate variances and recommend optimisation actions.
Track and report write-off and voluntary termination activity, financial impacts and emerging trends.
Monitor roll rates, liquidation rates, NPA and loss rates to identify risks and opportunities.
Optimise segmentation, treatment paths and customer engagement strategies.
Ensure fair customer outcomes, including for vulnerable customers, and embed Consumer Duty principles.
Monitor outcomes testing and QA results for regulatory compliance and good customer outcomes.
Balance collections performance with forbearance and affordability-driven solutions.
Ensure adherence to FCA regulations, including CONC and Consumer Duty requirements.
Work with Risk and Compliance on strategy changes and mitigate conduct and operational risks.
Support regulatory submissions, audits and reviews.
Partner with analytics teams on predictive models, segmentation and treatment-effectiveness analysis.
Lead MI packs for senior leadership with clear, actionable insight.
Translate strategy into operational execution with performance, customer care and change teams.
Support collections transformation initiatives such as digital engagement, automation and new treatment paths.
Ensure testing, governance and post-implementation reviews for strategy changes.
Build relationships across Operations, Risk, Compliance, Finance and Transformation.
Act as key contact for portfolio performance and collections strategy; influence senior stakeholders through data-driven recommendations.

Requirements

What you’ll need

Advanced Microsoft Excel skills, including pivot tables, lookups, complex formulas and data analysis.
Significant experience in collections strategy and portfolio management within financial services; motor finance strongly desired.
Strong analytical and numerical skills with the ability to interpret large datasets and identify trends.
Experience of segmentation, strategy design, and optimisation across the collections lifecycle.
Experience producing management information (MI), dashboards and performance reporting.
Excellent stakeholder management and influencing skills at all levels.
Knowledge of portfolio performance metrics, forecasting techniques and risk analysis.
Ability to perform data validation, reconciliation and quality assurance activities.
Excellent attention to detail and problem-solving skills.
Experience with Power BI, Tableau or similar data visualisation tools.
Regulated Motor Finance experience desirable.
Experience supporting or leading transformation or change initiatives desirable.
Experience using SQL to extract, manipulate and analyse data desirable.
Analytical, commercially aware, proactive, customer-focused and collaborative approach.
Strong communication skills and ability to translate complex data into clear, actionable insights.
Continuous improvement mindset; adaptability and resilience in a fast-paced environment.

Benefits

Comp & perks

Hybrid working pattern is 2 days in the office and 3 days from a location of your choice.
Access to attractive car schemes for you (& your family) for Toyota & Lexus cars
Excellent pension scheme (up to 6% employee contribution and 15% employer contribution).
Generous annual leave of 25 days which increases with service and holiday purchase option
Private Medical Healthcare (single, partner/spouse and dependent children) with Digital GP Service
Group Income Protection cover with Aviva including physical, mental, and financial wellbeing services
Employee Assistance Program
Eye tests
Onsite gym, Sports and Social Club, & flu jabs to keep you healthy
Wellbeing hour each month and many more initiatives throughout the year to encourage a healthy mind and body, and to raise awareness and celebrate diversity, equity and inclusion.
Dress for your day policy to make you feel comfortable at work
Eco HQ, free parking & restaurant
Two volunteering days per year
Reward gateway voucher discounts
Flexible working scheme and we welcome flexible working conversations at interview
Regular 121s with your manager, a personal development review (PReview) each quarter
A wide range of learning & development opportunities including Linked In Learning courses
£250 contribution towards you learning something new outside of work
Annual events (e.g., summer party, BBQ & Xmas party) including Countdown to Christmas events every December - it is so much fun!