Senior Collections Advisor

Love Finance Limited; Birmingham; Hybrid; GBP 24,000 - 40,000; Full time

Job summary

Lovey in Central Birmingham is seeking a Senior Collections Advisor to manage a portfolio of B2B arrears accounts, contacting customers by phone, email and written communication to recover balances and propose repayment solutions. You will handle more complex cases and apply negotiation strategies to achieve positive outcomes.

You’ll support the wider collections team, mentor others, and help maintain high standards of compliance with financial regulations and internal policies while

Qualifications

• Experience in collections, ideally within fintech or financial services.
• Track record of achieving collection targets.
• Strong negotiation skills.
• Ability to handle challenging conversations and make sound decisions.
• Experience managing a portfolio of accounts and working to deadlines.

Responsibilities

• Manage and own a portfolio of B2B arrears accounts.
• Proactively contact customers via phone, email and written communication.
• Negotiate payment plans and drive debt recovery outcomes.
• Work towards and exceed monthly collection targets.
• Assess customer circumstances and apply appropriate collection strategies.
• Take ownership of complex, high-risk cases.
• Record all interactions and account activity accurately.
• Escalate cases and work with internal teams.
• Share best practice with the collections team.
• Help maintain compliance with regulations and policies.
• Contribute to a high-performance, target-driven team culture.

Skills

Collections experience

Negotiation

Targets & KPIs

Financial services knowledge

Organisational skills

Independent worker

Resilience under pressure

Customer communication

Job description

Senior Collections Advisor

Salary: up to £40,000 + Bonus

Location: Central Birmingham, Full-Time Office Based

About Lovey

Lovey is a leading UK online finance broker and lender, dedicated to helping SMEs access fast, flexible funding. Since 2016, we’ve supported thousands of businesses through our technology-driven platform and customer-first approach.

We’re proud to be one of the UK’s fastest-growing finance companies, a certified Great Place to Work, and to hold an outstanding 4.9 Trustpilot rating. As we continue to scale, we’re expanding our high-performing collections team and are looking for an experienced Senior Collections Advisor to join us.

The Role – Senior Collections Advisor

We are looking for an experienced, driven and target-focused Senior Collections Advisor to join our fast-paced, high-energy team.

This is an excellent opportunity for an experienced collections professional who is confident managing a portfolio of accounts, handling more complex cases and using strong negotiation skills to achieve positive recovery outcomes.

You’ll take ownership of your own portfolio of B2B arrears accounts, working directly with business customers to recover outstanding balances and agree repayment solutions. You’ll also be expected to support the wider collections team, share your experience and help maintain high standards across the function.

Key Responsibilities

• Manage and take ownership of a portfolio of B2B customer accounts in arrears
• Proactively contact customers via phone, email and written communication
• Negotiate payment plans and drive successful debt recovery outcomes
• Work towards and exceed monthly collection targets
• Assess customer circumstances and apply appropriate collection strategies
• Take ownership of more complex, sensitive or high-risk cases
• Accurately record all customer interactions, agreements and account activity
• Escalate cases appropriately and work closely with relevant internal teams
• Support and share best practice with other members of the collections team
• Help maintain high standards of compliance with financial regulations and internal policies
• Contribute to a high-performance, target-driven team culture

About You

• Previous experience within collections, ideally within fintech or wider financial services
• Experience in a lending, brokerage, SME finance or similar environment would be beneficial
• Strong track record of achieving collection or recovery targets
• Confident handling challenging conversations and negotiating payment solutions
• Comfortable managing complex customer situations and making sound decisions
• Resilient, motivated and able to perform under pressure
• Strong organisational skills and attention to detail
• Confident working independently and taking ownership of a portfolio
• Positive attitude with a willingness to support and develop others

What We’re Looking For

We’re looking for an experienced and ambitious collections professional who is ready to take the next step in their career.

You’ll be someone who enjoys working towards targets, takes ownership of their results and is confident dealing with challenging or complex accounts. You’ll also play an important role in supporting the wider collections team and helping maintain a high standard of performance.

If you’re commercially minded, resilient and enjoy working in a fast-paced environment where your results make a real difference, you’ll fit right in at Lovey.