Credit Resolution Specialist

Avanti Finance Group; Auckland; Hybrid; NZD 85,000 - 110,000; Full time

Benefits offered by this job

KiwiSaver contributions

Parental and secondary carer benefits

Gym access

Pilates studio

Sauna and end of trip facilities

Fresh fruit in the office

Flexible working arrangements

Job summary

Avanti Finance Group in New Zealand is seeking an experienced Recoveries professional to own a portfolio of 90+ day arrears and crystallised debt accounts, managing the recovery process end to end. You will collaborate with external recovery partners and shape processes as strategies evolve.

This role demands handling non-performing loans, insolvencies, and legal recovery matters with strong negotiation and relationship skills.

Qualifications

• Experience in recoveries, debt collection, legal collections, enforcement or a similar specialist role.
• Previous experience managing 90+ day arrears, non-performing loans or crystallised debt.
• Exposure to legal recovery processes, insolvency, bankruptcy, liquidation or asset recovery.
• Experience working within a debt collection agency or recoveries team.
• Strong negotiation and relationship management skills.
• Ability to handle difficult conversations professionally.

Responsibilities

• Manage a portfolio of non-performing loan accounts, typically 90+ days in arrears.
• Develop and execute recovery strategies, including enforcement action and legal escalation where appropriate.
• Manage crystallised debt accounts and negotiate payment arrangements.
• Work with customers, solicitors, courts, liquidators, insolvency practitioners and enforcement agents.
• Manage accounts involving bankruptcy, liquidation, insolvency and deceased estates.
• Conduct skip tracing to locate customers, assets and employment details.
• Assess recoverability and recommend next steps, including legal action or write-off decisions.
• Prepare and manage legal documentation and recovery records.
• Monitor and manage shortfall balances following sale or repossession of assets.
• Contribute ideas to improve and refine recovery processes.

Skills

Recoveries

Debt collection

Legal collections

Enforcement

Relationship management

Negotiation

Autonomy

Customer-first mindset

Job description

We’re on a mission to become the best specialist lending company in New Zealand and Australia, and we’re looking for ambitious, driven people to help get us there.

We’ve got bold goals and a clear vision for the future. That means exciting opportunities for those ready to champion new ideas, challenge the status quo, and grow alongside us.

If you’re hungry to make an impact, thrive in a fast-paced environment, and love turning ideas into action – you’ll feel right at home here.

The role

Reporting to the Customer Operations Manager, you'll takeownership of a portfolio of 90+ day arrears and crystallised debt accounts,managing the recovery process from end to end.

This team sits at the point where standard collectionsactivity has been exhausted. You'll be dealing with non-performing loans,shortfall balances following asset sales, insolvencies, liquidations,bankruptcies, deceased estates and legal recovery matters. You'll also workclosely with external recovery partners and help shape the future direction ofthe function as processes continue to evolve.

This is a busy, varied and highly impactful role that willsuit someone who enjoys challenging, complex work and taking ownership ofoutcomes.

You'll be joining a supportive team where no two days arethe same, working on some of the most complex accounts in the business. You'llhave the opportunity to make a genuine difference for customers whiledelivering meaningful recovery outcomes for the organisation.

What you'll do

• Managea portfolio of non-performing loan accounts, typically 90+ days inarrears.
• Developand execute recovery strategies, including enforcement action and legalescalation where appropriate.
• Managecrystallised debt accounts and negotiate payment arrangements.
• Workwith customers, solicitors, courts, liquidators, insolvency practitionersand enforcement agents.
• Manageaccounts involving bankruptcy, liquidation, insolvency and deceasedestates.
• Conductskip tracing activities to locate customers, assets and employmentdetails.
• Assessrecoverability and recommend appropriate next steps, including legalaction or write off decisions.
• Prepareand manage legal documentation and recovery records.
• Monitorand manage shortfall balances following the sale or repossession ofassets.
• Contributeideas and expertise to help improve and refine recovery processes.

What we're looking for

We're keen to speak with people who have done this type ofwork before and can confidently step into a complex recoveries environment.

You'll likely bring:

• Experiencein recoveries, debt collection, legal collections, enforcement or asimilar specialist role.
• Previousexperience managing 90+ day arrears, non-performing loans or crystalliseddebt.
• Exposureto legal recovery processes, insolvency, bankruptcy, liquidation or assetrecovery.
• Experienceworking within a debt collection agency, recoveries team or specialistcollections environment would be highly regarded.
• Strongnegotiation and relationship management skills.
• Theability to handle difficult and sensitive conversations professionally.
• Excellentjudgement, resilience and the ability to work autonomously.
• Acustomer-first mindset and a genuine desire to help customers findworkable solutions, even in challenging circumstances.
  

What's in it for me?

At Avanti Finance, you'll be supported to grow your career, develop new skills and take ownership of your professional development.

You'll have the chance to give back to the community through initiatives such as Duffy Books in Homes and our annual volunteer day programme.

You'll have access to a range of benefits, which include enhanced KiwiSaver employer contributions (on top of your base salary), enhanced parental and secondary carer benefits , free access to a gym, pilates studio, sauna and state-of-the-art end of trip facilities,and fresh fruit in the office .

If you're looking for a place where you can realise your potential, feel supported and make a meaningful contribution, we'd love to hear from you.

• Depending on the role and team, flexible working arrangements may be available to support your work-life balance.
• enhanced KiwiSaver employer contributions (on top of your base salary)
• enhanced parental and secondary carer benefits
• free access to a gym
• pilates studio
• sauna and state-of-the-art end of trip facilities
• and fresh fruit in the office .

Our values are the fabric of what makes Avanti, Avanti

They guide our decisions, shape how we work, set the standards we hold ourselves and each other to, and build the trust that brings us together.

Champion the Customer: We put people at the heart of every decision

Win Together: We achieve more when we work as one

Do What’s Right: We act with integrity and take responsibility

Be Curious: We keep an open mind to new possibilities

Together, these values help create a workplace where people can grow, contribute and do their best work.