Associate Accounts Receivable

Kroo Bank Ltd; Manchester; Hybrid; GBP 30,000 - 45,000; Full time

Job summary

A financial technology company in Manchester seeks a Collections Specialist to lead the First Line Lending Operations function. This role involves managing arrears processes, producing key metrics reports, and collaborating to enhance lending strategies. The ideal candidate should have a minimum of 2 years experience in the consumer credit sector, strong knowledge of relevant regulations, and a positive attitude toward learning. A hybrid working model offers both remote options and a supportive team environment.

Benefits

25 days annual leave

3 personal days

Employer-sponsored volunteer program

Mental health support

Workplace pension

Top-notch equipment

Modern office

Cycle to Work scheme

Electric Car scheme

Enhanced parental leave

Full healthcare

Qualifications

• Strong knowledge of first line processes including arrears, collections, and vulnerability procedures.
• Good knowledge of consumer credit practices and relevant FCA regulation.
• Minimum 2 years experience working with consumer credit products.

Responsibilities

• Support the implementation of arrears and collections procedures.
• Manage loan lifecycle events and report on key metrics.
• Collaborate with underwriting and lending policy teams.

Skills

Knowledge of arrears and collections procedures

Understanding of consumer credit practices

Positive attitude

Experience in a start-up

Education

Minimum 2 years experience with consumer credit

Job description

Job Overview

We are searching for a resourceful and enthusiastic Collections Specialist, who will take a leading role in establishing the First Line Lending Operations function. We want to provide financial wellbeing for our customers and this role will be key to delivering that. Reporting will directly to the Collections and Financial Wellbeing Team Manager. The lending team at Kroo plays a key role in helping us to achieve our mission. You'll have a chance to influence how we do things. If you're ambitious, passionate about the consumer credit industry and eager to create something from scratch, then please apply.

Responsibilities

• Support the implementation of arrears, forbearance/collections and vulnerability procedures; take ownership of successful delivery.
• Play a central role in day‑to‑day management of loan lifecycle events.
• Help shape the Lending Operations function and support the Head of Business Operations and Head of Lending.
• Produce reports on key metrics.
• Liaise with underwriting and lending policy teams to improve overall strategy and risk appetite.

Interview Process

• People screen and quiz interview – 45 mins.
• Technical interview challenge with the hiring manager – 1 hour (Optional – face‑to‑face in London office or via Google Meet).
• Head of Division interview – 45 mins (Optional – face‑to‑face in London office or via Google Meet).

Successful candidates after the technical stage will be invited to informally meet the team in person and see our fantastic offices. Please let us know if you have any specific requirements or need assistance so we can be as accommodating as possible for you.

Benefits

• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: 3 days to use as needed.
• Employer‑sponsored volunteer program: up to 4 hours per month.
• Mental health support: access to Spill.
• Workplace pension: 5% employee contribution and 3% employer top‑up.
• Top‑notch equipment: MacBook laptop and support to establish a home office.
• Modern office in Central Manchester.
• Cycle to Work scheme.
• Electric Car scheme.
• Enhanced parental leave.
• Room for growth in a fast‑paced, high‑growth start‑up.
• Full healthcare for you and your nuclear family via Vitality.

Hybrid Working

At Kroo Bank, we have a hybrid/flexible policy granting individuals and teams freedom to work remotely or from our Manchester office. The role operates 9 am‑5:30 pm, Monday‑Friday, with a mix of remote and office work. Regular commuting expenses to your designated office will not be reimbursed. As the collections team expands, we will move to a shift pattern.

Recruitment Policies

To all Recruitment Agencies: At Kroo Bank, agency resumes are strictly prohibited. Do not submit agency resumes or forward them to our job advertisements or Kroo Bank employees. We will not assume responsibility for any fees incurred. Please submit applications directly through the advertised platform and refrain from contacting the company via email, LinkedIn or other channels for inquiries.

Diversity and Inclusion

We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is respected and supported with no judgement or prejudice. Reasonable adjustments are made available throughout the recruitment process.

Seniority Level

Senior

Desired Qualifications

• Strong knowledge of first line processes, including arrears, collections and vulnerability procedures.
• Good knowledge of consumer credit practices and relevant FCA regulation.
• Minimum 2 years experience working with consumer credit products.
• Positive attitude and willingness to learn.
• Experience working in a start‑up.
• Experience establishing lending operations in a fintech, bank or lending business.

About Kroo

Kroo has a big vision: to be the first bank that is both trusted and loved by its customers. We help people take control of their financial future, achieve their goals, and make a positive impact on the planet. At Kroo, doing what is right is part of our DNA. We act with integrity, transparency and honesty, think big, pursue our goals relentlessly, and continuously learn. We are on this journey together.