Recoveries Officer

Vero HR; Basingstoke; On-site; GBP 34,000 - 41,000; Full time

Benefits offered by this job

Discretionary bonus

Death in service

Pension contributions

Employee Assistance Programme

Annual leave 25 days

Job summary

Vero HR is partnering with a UK debt recovery and financial services business in Basingstoke to recruit an experienced Recoveries Officer. You will manage delinquent, defaulted and impaired lending accounts across personal, commercial and asset finance, balancing commercial judgment, customer care and compliance to maximise recoveries.

Office-based, Monday to Friday, 9:00am to 5:00pm. Competitive salary around £37,500, 25 days plus bank holidays, discretionary bonus, pension and employee

Qualifications

• Excellent communication and negotiation skills.
• Confident managing difficult or sensitive conversations.
• Strong organisation and the ability to prioritise multiple cases.
• Good analytical and problem-solving skills.
• Strong IT and systems capability.
• Excellent attention to detail and record-keeping skills.
• A genuine understanding of treating customers fairly and achieving positive outcomes.

Responsibilities

• Managing and progressing delinquent and defaulted accounts.
• Contacting customers through telephone, email, letter, SMS and other approved channels.
• Assessing individual circumstances and determining appropriate recovery strategies.
• Negotiating repayment arrangements, settlements and sustainable resolutions.
• Identifying vulnerable customers and applying appropriate forbearance.
• Supporting asset recovery, repossessions and enforcement activity.
• Working with solicitors, insolvency practitioners, recovery agents, valuers and auction houses.
• Supporting litigation and insolvency cases, including bankruptcies, IVAs, administrations and liquidations.
• Maintaining accurate case records and producing portfolio and management information.
• Identifying risks, trends and opportunities to improve recovery performance.
• Ensuring every action complies with legal, regulatory and company requirements.

Skills

Communication

Negotiation

Difficult conversations

Organization

Analytical skills

IT proficiency

Attention to detail

Customer fairness understanding

Job description

We are the internal recruitment partner for our client, a UK debt recovery and financial services business, providing professional, ethical and commercially focused solutions across the full debt recovery lifecycle.

Are you confident handling challenging conversations, finding practical solutions and making sound decisions?

We're looking for an experienced Recoveries Officer to manage delinquent, defaulted and impaired lending accounts throughout the recovery process.

You'll manage a varied portfolio across personal, commercial and asset finance, balancing commercial judgement, customer care and compliance to maximise recoveries, minimise losses and achieve fair customer outcomes.

Your responsibilities will include:

• Managing and progressing delinquent and defaulted accounts.
• Contacting customers through telephone, email, letter, SMS and other approved channels.
• Assessing individual circumstances and determining appropriate recovery strategies.
• Negotiating repayment arrangements, settlements and sustainable resolutions.
• Identifying vulnerable customers and applying appropriate forbearance.
• Supporting asset recovery, repossessions and enforcement activity.
• Working with solicitors, insolvency practitioners, recovery agents, valuers and auction houses.
• Supporting litigation and insolvency cases, including bankruptcies, IVAs, administrations and liquidations.
• Maintaining accurate case records and producing portfolio and management information.
• Identifying risks, trends and opportunities to improve recovery performance.
• Ensuring every action complies with legal, regulatory and company requirements.We're looking for someone who is professional, resilient, commercially aware and customer focused.

You'll ideally have experience in recoveries, collections, debt resolution, customer service or financial services, together with:

• Excellent communication and negotiation skills.
• Confidence managing difficult or sensitive conversations.
• Strong organisation and the ability to prioritise multiple cases.
• Good analytical and problem-solving skills.
• Strong IT and systems capability.
• Excellent attention to detail and record-keeping skills.
• A genuine understanding of treating customers fairly and achieving positive outcomes.

In return we are offering:

• Competitive salary circa £37,500
• Office-based role in Basingstoke, Monday to Friday, 9:00am - 5:00pm (35 hours per week).
• Friendly, collaborative team culture with a supportive management approach.
• 25 days' annual leave plus bank holidays.
• Opportunities for growth within a well-established and expanding financial services organisation.
• Discretionary bonus scheme.
• Death in service - 4x annual salary.
• Pension contributions 4% employer, 5% employee.
• Employee Assistance Programme
• Various wellbeing and Social events throughout the year