Debt and COT Manager - 12 Month Fixed Term Contract

SmartestEnergy; Ipswich; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading energy firm in Ipswich seeks a Debt Management Manager to oversee debt strategy and drive financial outcomes. The role involves managing complex debt scenarios and leading a team to enhance customer relationships and cash flow. Candidates should have experience in financial services, strong leadership skills, and a comprehensive understanding of credit management processes. This position supports hybrid working, balancing office and remote work. The firm values diversity and welcomes applicants from all backgrounds.

Benefits

Flexible working options

Commitment to diversity and inclusion

Opportunities for global impact

Qualifications

• Experience leading teams and managing performance.
• Proven ability to handle complex debt scenarios.
• Understanding of credit/debt management and Change of Tenancy processes.

Responsibilities

• Lead debt strategy and manage daily performance.
• Oversee debt management processes and customer relations.
• Provide insights and present updates to senior leadership.

Skills

Experience working in Financial Services

Management of large debt books

Strong leadership experience

Effective communication with senior stakeholders

Understanding of credit and debt management

Job description

This is a key opportunity to lead SmartestEnergy’s debt strategy and play a vital role in maximising cash flow, reducing exposure to bad debt, and maintaining exceptional service standards. As the manager of our Debt Management and COT teams, you’ll oversee everything from daily debt performance to accurate COT processing, ensuring compliance while strengthening customer relationships and protecting revenue. Working closely with internal stakeholders and external DCA and solicitor partners, you’ll drive improvements, resolve escalations, and innovate processes that enhance efficiency and financial outcomes.

You’ll also provide critical insight to senior leadership, presenting performance updates, identifying operational savings, and shaping best-practice standards across teams. With responsibility for coaching and developing your people, you’ll champion engagement, accountability, and continuous improvement—making a measurable impact on both customer experience and SmartestEnergy’s profitability.

What skills/experience do I need to be successful?

• Experience working in Financial Services or other regulated environments in a similar role;
• Proven ability to manage large, high-value and complex debt books, including oversight of 3rd-party debt collection agencies;
• Strong leadership experience managing senior teams (4+ people), including performance management, disciplinary processes and restructures;
• Extensive experience communicating with senior stakeholders, producing documentation and delivering presentations;
• In-depth understanding of credit and debt management processes, with awareness of the Change of Tenancy process.

What sets us apart?

• Global Impact: With offices in the UK, US, and Australia, and plans for further expansion, you'll be part of a dynamic, globally-minded team, with opportunities to explore new markets and make a difference on a global scale.
• Flexible Working: Embrace the freedom to work from anywhere in the world for up to 30 days a year. We prioritize work-life balance, recognizing that your well-being matters. Find out more here.
• Commitment to Diversity and Inclusion: We celebrate our diverse culture and value individuals irrespective of background, disability, religion, gender identity, sexuality, or ethnicity. Join a team where diversity is not just welcomed but celebrated as a key driver of growth and innovation.

What does hybrid working mean to us?

Hybrid working typically means 2 days in the office location listed on this advert and 3 days working at home each week. Some occasional travel to our other offices may be required.

What happens next?

Once we receive your application, it will be reviewed by a human – no bots here! The average process typically takes around 2-3 weeks, with 2 stages of video interviews using Teams. However, this can vary depending on the role. We may invite you for a face-to-face meeting or require only 1 video interview. If you have any questions or need support, our Recruitment Team is here to assist you.

Ready to join us on our journey to digitise, decarbonise, and localize the future of energy? Apply now.

We're committed to making the application process easy and comfortable. Let us know how we can help you with any reasonable adjustments that can be tailored to your needs. At the bottom of each of our adverts you can find one of our recruitment teams' contact details. Please reach out so we can discuss with you further.

Check out all our current open positions

Our privacy policy is here