Collections & Recoveries Manager 9th November 2026

DF Capital Group

Manchester

On-site

GBP 70,000 - 90,000

Full time

5 days ago

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Benefits offered by this job

Private medical insurance for you (and

Private Dental

10% Employer pension contribution

30-day annual leave entitlement plus

Free Gym Membership

Discretionary annual bonus

Discretionary share awards

Life Assurance

Income Protection

Save As You Earn company share

Tax-efficient salary sacrifice scheme

4 days volunteering opportunities

World class offices based in Ancoats

Job summary

DF Capital Group in Manchester is seeking a seasoned Collections & Recoveries Manager to lead the bank's collections, recoveries and enforcement across Inventory Finance and Structured Finance portfolios.

You will minimise credit losses, maximise realisations, and ensure fair customer treatment throughout the lifecycle, working with Risk, Portfolio Monitoring, Operations and Legal to implement recovery strategies.

Qualifications

Extensive experience supporting customers through collections in regulated environment.
Strong communication and relationship-building over the phone.
Knowledge of best practices in collections and vulnerability management.
Proven ability to lead and build a collections function from scratch.
Familiarity with asset finance and repossession context.

Responsibilities

Lead delinquent, impaired and defaulted customer relationships.
Develop and implement collections and recovery strategies aligned to risk appetite.
Ensure respectful customer treatment in all collections activities.
Negotiate and monitor repayment solutions delivering outcomes for customers and the Bank.
Oversee pre-default and post-default collections, forbearance and enforcement activities.
Collaborate with Credit, Legal and Operations to optimise recoveries.

Skills

Communication skills

Relationship building

Leadership

Collections strategy

Vulnerability management

Asset finance knowledge

Tools

Salesforce

Job description

We’re DF Capital – a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses.

Based in Manchester, we serve thousands of customers across the UK and into Europe, supporting their ambitions with tailored financial solutions.

We help our customers realise their ambitions by doing things differently – combining the agility and innovation of a specialist lender with the security and service standards of a regulated bank. Whether it’s flexible lending structures or straightforward savings options, we focus on what matters most to our customers.

In 2025, we launched DF Capital Retail Finance – a subsidiary of DF Capital Bank Limited – to offer specialist hire purchase solutions to retail customers.

Our goal is simple: to do the absolute best for our customers, our communities, and each other.

Your new role:

Reporting directly to the Chief Credit Officer, the Collections & Recoveries Manager is responsible for leading the Bank's collections, recoveries and enforcement activities across the Inventory Finance and Structured Finance portfolio.

The role is accountable for minimising credit losses, maximising recoveries, protecting collateral positions and ensuring fair customer treatment throughout the collections and recovery lifecycle.

You will manage a portfolio of customers experiencing financial difficulty, payment default, covenant breaches or insolvency events, whilst balancing commercial outcomes, regulatory requirements and customer outcomes. Working closely with Credit Risk, Portfolio Monitoring, Operations and Legal teams, the Collections & Recoveries Manager develops and executes recovery strategies designed to maximise realisations and reduce impairment losses.

This role also provides leadership over both pre-default and post-default collections activities, including inventory recoveries, forbearance arrangements, enforcement action and insolvency management.

Responsibilities & Duties:

DF Capital are passionate about providing employees with the right training and support to help them excel in their roles and future careers. We are confident that an applicant with the right attitude and drive will succeed in this role.

Other duties may be assigned outside of the following duties and responsibilities:

Lead the management of all delinquent, impaired and defaulted customer relationships.
Develop and implement collections and recovery strategies aligned to the bank's risk appetite and recovery objectives.
Deliver a positive and professional approach to collections, ensuring our customers are treated with respect and empathy at all times
Negotiate, monitor and implement repayment solutions that deliver the right outcomes for our customers and the Bank
Maintain oversight of all customers entering arrears, over-limit positions or default status.
Prioritise management attention and resource allocation towards higher-risk or higher-value exposures.
Ensure all collection activities are appropriately documented and executed within agreed service standards.
Ensure the available arrangement/forbearance toolkit is fit for purpose and employed as intended.
Instruct and liaise with third parties such as reconnection or repossession agents and lawyers.
Continuously improve on processes, approaches and communications.
Make recommendations on changes to strategy and policies to deliver the best outcomes for the Bank and our customers.
Remain compliant with all applicable legislation and regulation at all times.
Collaborate with internal teams such as Credit and Legal to ensure a coordinated approach to collections and recoveries

Requirements:

Extensive experience of supporting customers through the collection process in a regulated environment
Strong communication skills and a real ability to develop positive relationships over a phone call
Knowledge of best practice approaches to collections, including latest developments on fact finding and vulnerability management techniques
A proven ability to improve the way a collections team is managed, with a strong personal view on what good looks like
A commitment to delivering the best customer outcomes
A desire to lead and build a collections approach from scratch
Some knowledge of the asset finance sector, including repossession of goods
Highly adaptive, able to think their way through varied situations, whilst able to keep their eye on delivering the best outcomes
Able to adhere to company policy, and challenge existing thought processes in the right way
Experience with Salesforce would be beneficial
Experience of commercial collections and recoveries would be beneficial