Recoveries Specialist

We're recruiting on behalf of a fast-growing and ambitious lender for an experienced Recoveries Specialiat. This is a great opportunity for someone who enjoys working on complex cases, making balanced risk decisions, and finding practical solutions that deliver strong financial results. The role would suit a commercially minded professional who is confident, proactive, and motivated by driving performance and positive outcomes.The Opportunity: As a recoveries specialist you will take ownership of defaulted and seriously breached loans, proactively structuring exit strategies to maximise recovery while protecting the business and ensuring fair outcomes for borrowers. You will apply sharp financial analysis, confident negotiation, and multi-stakeholder management across legal, valuation, and enforcement channels.Key Responsibilities for the Recoveries Specialist:

• Analysing over-term, defaulted, and high-risk loans to assess recoverability.
• Reviewing borrower financials, security positions, guarantees, and exit strategy viability (e.g., refinance, sale, development completion).
• Conducting cost-benefit analysis across enforcement options, including receivership, administration, and negotiated settlements.
• Preparing structured recovery strategy papers for senior stakeholder sign-off.
• Liaising with solicitors, receivers/administrators, valuers, and other partners to implement approved strategies.
• Monitoring legal proceedings, asset disposals, and enforcement timelines, escalating risks as needed.
• Managing legal, insolvency, and asset management costs to optimise net recovery outcomes.
• Tracking post-sale shortfalls and recommend further recovery action where appropriate.
• Maintaining audit-ready case records, reconciliations, and management information reports.
• Ensuring all activity aligns with governance standards and credit risk appetite.

Candidate Profile

• Proven experience in recoveries, collections, credit control, or financial services operations- developing own strategies to manage recoveries.
• Demonstrated ability to manage delinquent accounts and negotiate repayment strategies.
• Familiarity with dispute resolution, complaint handling, or enforcement processes.
• Strong financial acumen, analytical skills, and commercial judgement.
• Experience working with legal teams, insolvency practitioners, or external recovery partners.
• Proficiency with case management systems, CRM platforms, and Excel.
• Track record of achieving recovery, resolution, and compliance metrics in a fast-paced environment.
• Excellent stakeholder management, communication, and problem-solving skills.

What's on Offer for the Recoveries Specialist:

• Negotiable salary depending on experince - £35,000
• Hybrid working with flexible hours and occasional travel as needed.
• Generous and increasing holiday allowance, with options to buy or sell leave.
• Comprehensive benefits including life assurance, income protection, healthcare cash plan, and wellbeing initiatives.
• Inclusive, values-driven culture with structured behavioural framework and dedicated mental health support.
• Career development via digital learning and a clear progression path.

If you have experience as a Redemptions Agent, Recoveries Specialist, Collections Agent, Debt Recovery Advisor, Relationship Manager or similar this role could be for you. Click apply with your most recent CV for consideratio for the Recoveries Specialist role. JL_FIN