Collections Portfolio Manager

Jobtailor; Epsom; On-site; GBP 55,000 - 75,000; Full time

Job summary

Jobtailor in the United Kingdom is seeking a seasoned collections strategy professional to own end-to-end portfolio performance across delinquency stages, from early arrears to recoveries, and to produce MI showing hotspots and risks.

You will develop and implement collections strategies to reduce arrears, minimise losses and improve cure rates, while collaborating with analytics on predictive models and treatment effectiveness. Strong Excel, SQL and BI experience are essential.

Qualifications

• Advanced Excel skills with pivot tables, lookups, complex formulas and data analysis.
• Significant experience in collections strategy and portfolio management in financial services; motor finance is desirable.
• Strong analytical and numerical skills for large datasets and trend identification.
• Experience in segmentation, strategy design and optimisation across the collections lifecycle.
• Experience producing 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 QA 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.

Responsibilities

• 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.

Skills

Advanced Excel

Data analysis

Stakeholder management

Regulatory compliance

Forecasting techniques

SQL

Power BI

Tableau

Attention to detail

Problem-solving

Tools

Power BI

Tableau

Microsoft Excel

SQL

Job description

• 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

• 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.

Core Competencies

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 Development
• Advanced Microsoft Excel Skills
• Data Analysis and Interpretation
• Stakeholder Management
• Regulatory Compliance Knowledge

ATS Optimization Keywords

Hard Skills

• Collections Strategy
• Portfolio Management
• Data Analysis
• Segmentation
• Performance Reporting
• Forecasting Techniques
• Risk Analysis
• Data Validation
• SQL
• Management Information (MI)

Soft Skills

• Analytical Skills
• Attention to Detail
• Problem-Solving Skills
• Communication Skills
• Collaborative Approach

Industry Keywords

• Financial Services
• Motor Finance
• FCA Regulations
• Consumer Duty
• Collections Lifecycle

Tools & Technologies

• Power BI
• Tableau
• Microsoft Excel