Collections Manager – SME Lending & Recovery

Excel Capital Group; Greater London; On-site; GBP 42,000 - 56,000; Full time

Job summary

Excel Capital Group in London seeks a Collections Manager to oversee SME funding arrears from the first missed payment through to recovery, ensuring fair treatment of customers.

You will manage accounts across early and late-stage arrears, negotiate realistic repayment plans, and collaborate with solicitors, enforcement partners and recovery specialists to progress actions while maintaining rigorous record-keeping and risk reporting.

Qualifications

• 2+ years of collections experience, ideally in SME lending or related sectors.
• Confident, professional communicator able to have firm but fair conversations.
• Some exposure to guarantor claims, insolvency or enforcement processes.
• Understanding of FCA standards and fair customer outcomes.

Responsibilities

• Contact business owners early when payments are missed and set realistic repayment plans.
• Manage portfolios in early and late arrears to improve cure rates and limit losses.
• Handle customers in financial difficulty with sensitivity and escalate hardship cases when needed.
• Support more complex accounts including defaults, guarantor recoveries and insolvency cases.
• Work with solicitors, enforcement agents and recovery partners to progress actions.
• Maintain accurate account records and adhere to collections policies and controls.
• Report arrears, cure rates and recoveries and flag portfolio risks.
• Collaborate with credit, underwriting, finance and operations teams.

Skills

Collections experience

SME lending

Communication skills

FCA standards

Insolvency exposure

Organised

Job description

Excel Capital Group in London seeks a Collections Manager to oversee SME funding arrears from the first missed payment through to recovery, ensuring fair treatment of customers.

You will manage accounts across early and late-stage arrears, negotiate realistic repayment plans, and collaborate with solicitors, enforcement partners and recovery specialists to progress actions while maintaining rigorous record-keeping and risk reporting.