Recoveries Account Executive

Funding Circle; Greater London; Hybrid; GBP 42,000 - 60,000; Full time

Benefits offered by this job

Hybrid work pattern

Job summary

Funding Circle in London is seeking an experienced Collections/Recoveries professional to manage a portfolio of defaulted loan accounts and negotiate repayment arrangements to recover debt for investors.

You will build trust with borrowers, aim for cost-effective recoveries, and collaborate with our in-house teams while exploring AI tools to streamline daily tasks and improve outcomes. This role offers hybrid working and a competitive salary with benefits.

Qualifications

• Proven experience in Collections, Recoveries, or Credit Control.
• Results-oriented and competitive: experience delivering targets, SLAs and KPIs.
• Organised with strong attention to detail and ability to use multiple systems.
• Empathise with borrowers and provide first-class customer service.
• Self-motivated and resourceful with a track record of independent problem solving.
• Able to identify ways to use Generative AI to streamline daily tasks and productivity.
• Confident using approved AI tools safely and effectively.

Responsibilities

• Manage a portfolio of defaulted loan accounts, negotiating repayment arrangements to recover outstanding debt and achieve positive outcomes for Funding Circle’s Investors.
• Build trust and rapport with borrowers and guarantors to understand financial situations and find sustainable repayment solutions.
• Demonstrate strong investigatory and analytical skills to achieve maximum but cost-effective recoveries.
• Support focused campaigns and initiatives to drive performance and investor returns.
• Liaise with instructed third parties and professional advisors, including solicitors, debt managers and insolvency practitioners.
• Work closely with in-house Collections, Litigation & Business Support Teams to service Funding Circle’s customers.

Skills

Collections

Recoveries

Credit Control

Analytics

Customer service

Job description

We’re on a mission to back the UK’s small businesses like no one else

Small businesses are the backbone of the economy, and we’re here to help them win. We’ve built a platform that uses clever data to get them the funding they need in minutes, not weeks.

At Funding Circle, we have the restless energy of a fintech start-up with the stability of a public company. It’s a unique mix that gives Circlers the autonomy to take ownership and the scale to make an impact that truly counts.

We’re a high-performing team that chooses to lift each other up. We challenge, we champion, and we have each other’s backs - because we know that when we stand together, we move faster and build better.

The impact is real: Last year alone, the businesses on our platform generated £7.2bn for the UK economy Come and join a mission that matters!

[Read our Impact Report] | [See our Trustpilot]

The role

London (Hybrid) | 3 days in the office | Competitive Salary + Benefits

You’ll be managing a portfolio of defaulted loan accounts, negotiating repayment arrangements to recover outstanding debt and achieve positive outcomes for Funding Circle’s Investors

• Manage a portfolio of defaulted loan accounts, negotiating repayment arrangements to recover outstanding debt and achieve positive outcomes for Funding Circle’s investors
• Build trust and rapport with borrowers and guarantors to understand their financial situations and work with them to find sustainable repayment solutions
• Demonstrate strong investigatory and analytical skills to achieve maximum but cost-effective recoveries
• Support with focused campaigns and initiatives to drive performance and investor returns
• Liaise with instructed third parties and professional advisors, including solicitors, debt managers and insolvency practitioners
• Work closely with our in-house Collections, Litigation & Business Support Teams in appropriately servicing the interests of Funding Circle’s customers

What we’re looking for

We value deep expertise, but a growth mindset and good energy are what really make our team click. We’re a group that chooses to lift each other up and think smart every day.

• Proven experience in Collections, Recoveries, or Credit Control, demonstrating relevant skills and knowledge
• Results-oriented and competitive: Experience in consistently achieving targets, SLAs, and KPIs while striving for continuous improvement
• Organised with great attention to detail and the ability to use multiple systems concurrently in the workplace
• The ability to empathise with borrowers and the commitment to assist them in solving issues through your first-class customer service skills
• Highly self-motivated and resourceful, with a proven track record of working independently and finding effective solutions to complex problems
• Able to proactively identify ways to use Generative AI to streamline your daily tasks and improve your personal productivity
• Confident using approved AI tools safely and effectively to enhance your output and find a better way of working

We’re building a place where everyone truly feels they belong. Even if your past experience doesn't align perfectly with every requirement, we'd still love to hear from you.

Why join us?

We back you to build an incredible career and by joining us, you'll be part of one of The Sunday Times Best Companies to Work For 2026! As a flexible-first employer, we use a "best of both" approach. We’ll see you in our London office to collaborate – with barista coffee and subsidised Just Eat lunches on us!

Our Circler Proposition focuses on five areas:

• Flexibility: We provide a benefit allowance you can tailor to your own life and family.
• Health: This includes private medical and dental, health assessments, and access to a digital GP.
• Wealth: We offer life assurance, share schemes, and financial coaching.
• Development: You get a dedicated annual learning allowance to help you level up.
• Lifestyle: We have electric car and cycle-to-work schemes, plus season ticket loans.

We also have award-winning parental leave policies. We're here to support you through the big life moments, from fertility treatments to new additions to the family.

Ready to join a mission that matters? We’d love to chat!