Senior Collections & Recoveries Lead

Together - loans, mortgages & finance; Cheadle; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

26 days holiday

Birthday day off

Discretionary annual bonus

Pension matching

Life assurance and critical illness

Job summary

Together is seeking a Collections Operations Manager to lead the end-to-end customer journey and operational performance of the collections and recoveries function in the UK. The role balances customer outcomes with compliance, credit risk, and commercial performance while driving for better forbearance solutions and sustainable recoveries.

The successful candidate will oversee pre-arrears through to enforcement, manage high-volume activities, and collaborate with Legal, Risk, and Finance to

Qualifications

• Extensive experience leading commercial collections and recoveries within financial services.
• Proven strategic leadership of large operational teams.
• Experience leading managers, relationship managers, collections representatives in a performance-led environment.

Responsibilities

• Lead day-to-day operations across the full commercial collections and recoveries lifecycle, from pre-arrears to enforcement and exit.
• Create end-to-end accountability for collections and recoveries, ensuring informed decision-making.
• Promote fair and sustainable customer outcomes through appropriate forbearance solutions.
• Oversee high-volume collections activity with risk-based segmentation by exposure and affordability.
• Act as escalation point for complex commercial cases including litigation referral and enforcement strategy.
• Maintain recovery strategies and case management to support early intervention and progressive action.
• Ensure adherence to risk controls, governance frameworks and in-life portfolio management.

Skills

Leadership

Strategic thinking

People management

Stakeholder management

Commercial awareness

Communication

Job description

Together is seeking a Collections Operations Manager to lead the end-to-end customer journey and operational performance of the collections and recoveries function in the UK. The role balances customer outcomes with compliance, credit risk, and commercial performance while driving for better forbearance solutions and sustainable recoveries.

The successful candidate will oversee pre-arrears through to enforcement, manage high-volume activities, and collaborate with Legal, Risk, and Finance to