Collections Specialist - SME

Marshmallow; Greater London; Hybride; GBP 50 000 - 70 000; Plein temps

Avantages offerts par ce poste

Flexible working - Spend 2 days per week in the office

Competitive bonus scheme

Flexible benefits budget

Sabbatical Leave

Work From Anywhere

Mental wellbeing support

Learning and development budgets

Private health care

Medical cash plan

Tech scheme

33 days holiday

Résumé du poste

A UK-based technology company is seeking a New Subject Matter Expert in Collections to take ownership of complex arrears cases and coach less experienced colleagues. The role emphasizes delivering tailored repayment solutions while ensuring compliance with FCA regulations. Candidates should have substantial experience in regulated collections and a proven track record in handling sensitive customer situations, offering competitive compensation and flexible working arrangements.

Qualifications

• Significant experience in regulated collections or debt recovery.
• Demonstrated success with complex arrears cases.
• Strong understanding of FCA requirements and Consumer Duty.

Responsabilités

• Take ownership of complex arrears cases and deliver tailored repayment solutions.
• Coach and support less experienced colleagues.
• Analyse trends in arrears performance for improvement opportunities.

Connaissances

Strong judgement and decision making

Excellent communication and influencing skills

Ability to give constructive feedback

Calm under pressure

Highly organized

Curious and improvement-focused

Description du poste

About Marshmallow

We exist to make migration easy. A systemic problem of this magnitude requires a team of curious thinkers who relentlessly pursue solutions. Those who constantly challenge the why, dismantle assumptions, and always take action to build a better way. A Marshmallow career is built on a cycle of continuous growth, with learning at its core. You will be challenged to raise the bar on your capabilities and supported with the right tools and guidance to do so. This ensures you can deliver impactful work and drive change. If life at Marshmallow sounds like it could be for you, explore our Culture Handbook to find out more. Move our mission, and your career, forward.

What you'll be doing

As our New Subject Matter Expert in Collections, you will:

• Take ownership of the most complex, sensitive, or high-risk arrears cases, including vulnerability, affordability challenges, and escalated complaints
• Deliver tailored, sustainable repayment solutions aligned to Consumer Duty and FCA expectations
• Act as a subject matter expert for complex forbearance, vulnerability handling, and judgement-based decision making
• Provide structured coaching and day-to-day development support to less experienced colleagues, including 1:1s, case reviews, and live or near-live feedback
• Support the onboarding and development of new starters, helping them build confidence and consistency in regulated customer interactions
• Act as a point of escalation for complex case queries, sense checking decisions and outcomes before they are finalised
• Review colleague cases and interactions to identify learning opportunities and quality improvements
• Analyse trends in arrears performance, broken arrangements, QA findings, and complaints to highlight risks and improvement opportunities
• Work closely with Team Leaders, QA, and Compliance to reinforce standards and close capability gaps

Who You Are

• A confident, credible collections professional recognised for strong judgement and decision making
• Comfortable supporting and coaching colleagues earlier in their careers
• Able to give clear, constructive feedback that improves performance and quality
• Calm and empathetic when handling complex or sensitive customer situations
• Highly organised, able to balance individual case ownership with supporting others
• Trusted by peers and leaders as a go-to expert
• Curious and improvement focused, spotting patterns and acting on them
• Strong advocate for fair customer outcomes and regulatory compliance

What we're looking for from you

• Significant experience in regulated collections, credit control, or debt recovery
• Demonstrated success handling complex, vulnerable, or high-risk arrears cases
• Strong understanding of FCA requirements, Consumer Duty, and Vulnerable Customer guidance
• Experience supporting the development of less experienced colleagues
• Excellent communication and influencing skills
• Strong written skills for case notes, feedback, and customer communications
• Confidence analysing QA insight and identifying improvement opportunities
• Preferred but not essential experience in insurance, motor finance, or claims-based recoveries

Performance Measures

Role

Success in this role is measured through a combination of quantitative and qualitative metrics to ensure effectiveness in both debt recovery and customer experience. Key performance indicators (KPIs) include:

• Quality Assurance: High QA outcomes on specialist cases and measurable improvement in colleague quality following support
• Customer Outcomes: Fair, sustainable arrangements and reduced escalations
• Compliance: Zero material regulatory breaches
• Capability Uplift: Clear evidence of improved judgement and confidence among supported colleagues
• Team Contribution: Positive influence on standards, knowledge sharing, and continuous improvement

Perks of the job

• Flexible working - Spend 2 days per week with your team in our new collaborative London office
• Competitive bonus scheme - designed to reward and recognise high performance
• Flexible benefits budget - £50 per month to spend on a Ben Mastercard meaning you get your own benefits budget to spend on things you want
• Sabbatical Leave - Get a 4-week fully paid sabbatical after being with us for 4 years
• Work From Anywhere - 4 weeks work from anywhere to use, with no need to come to the office
• Mental wellbeing support – Access therapy and mental health sessions through Oliva
• Learning and development – Personal budgets for books and training courses to help you grow in your role. Plus 2 days a year - on us to further your skillset
• Private health care - Enjoy all the benefits Vitality has to offer, including reduced gym memberships and discounts on smartwatches
• Medical cash plan - To help you with the costs of dental, optical and physio (plus more!)
• Tech scheme - Get the latest tech for less
• Plus all the rest; 33 days holiday (including bank holidays), pension, cycle to work scheme, monthly team socials and company-wide socials every month!

Our Process

We break it up into a few stages:

• Initial call with our Talent Acquisition Manager (approx. 25 mins via Zoom)
• Technical Interview with our Head of Collections + 1 other team member (60 minutes)
• Final Culture Interview (1 hour)

Background checks

As part of our commitment to maintaining a safe and trustworthy environment, we’ll carry out standard background checks, including a DBS and a Cifas check. These help ensure there are no ongoing criminal proceedings and support the prevention of fraud and other forms of serious misconduct. If anything of concern is identified, it may affect your eligibility for certain roles or services. Feel free to ask our Talent Acquisition team if you have any questions about this!

Diversity and Inclusion

Everyone belongs at Marshmallow. We want to hire people from all walks of life with the passion and skills needed to help us achieve our company mission. To do that, we're committed to hiring without judgement, prejudice or bias.

We encourage everyone to apply for our open roles. Gender identity, race, ethnicity, sexual orientation, age or background does not affect how we process job applications. We're working hard to build an inclusive culture that empowers our people to do their best work, have fun and feel that they belong.

Recruitment privacy policy. We take privacy seriously here at Marshmallow. Our Recruitment privacy notice explains how we process and handle your personal data. To find out more please view it here.