Join to apply for the Recovery Management Co-ordinator role at St. James’s Place
Location: Cirencester Office Workplace Type: Hybrid Employment Type: 12 month Fixed-Term Contract Seniority: Associate
Overview
The role is responsible for supporting the management of credit risk across the Group’s lending activities, with a particular focus on obtaining, analysing and summarising recovery information for Partners and Advisers (some of whom will no longer be members of the Partnership) to include underwriting of new lending proposals. This work helps ensure the effective recovery of amounts lent / to be lent to the SJP Partnership through the ~£1bn Partner Lending Scheme which consists of over 1,000 borrowing Partner businesses. The individual will have a good working relationship with a wide variety of teams across SJP, ensuring that relevant parties are equipped with detailed analysis to make informed decisions and take the appropriate actions as required to mitigate potential credit losses.
What you’ll be doing
* Work with members of the Partner Finance team providing the required income analysis, recovery projections and feasibility of proposed recovery plans to ensure loans to the Partnership are repaid and credit losses are minimised.
* Provide sound judgement & approval of new lending requests using knowledge of SJP products, policy & the fundamental principles of lending money responsibly.
* Own the data and income analysis process required to recover debts, including obtaining income data, assessing recoverability, creating recovery plans, presenting findings to senior stakeholders, and input into Group provisioning.
* Ongoing monitoring of in-flight recovery plans to ensure recovery remains on track; when off track, feedback to stakeholders to undertake the necessary actions.
* Attend regular Recovery Forums with the Partner Finance team and other subject matter experts; maintain data for management reporting and action follow-up during the month.
* Provide cover for the Recovery Management Specialist, including management of the Partner Finance Leavers inbox, handling requests within SLAs, providing information for Regulated References, and setting up/administration of repayment plans.
Essential Criteria
* Experience in lending, financial services or legal industries, with an understanding of borrowing entities (e.g., sole trader, limited company, LLP).
* Strong analytical skills and comfort with manipulation of data in Excel.
* Attention to detail and accuracy, including ability to review integrity of loan records and ensure data input is accurate and consistent.
* Strong administration skills and good working knowledge of the full Microsoft Office suite (especially Excel, Word and PowerPoint).
* Strong communication skills with the ability to talk to partners at all levels.
What’s in it for you?
We reward you for the work you do, including a discretionary annual bonus scheme that reflects personal and company performance, competitive annual leave (28 days plus bank holidays, with option to purchase an additional 5 days), and access to an online rewards platform with discounts. Benefits to support various life stages include:
* Competitive parental leave (26 weeks full pay)
* Private medical insurance (optional taxable benefit)
* 10% non-contributory pension (increasing with length of service)
Reasonable Adjustments
We’re an equal opportunities employer and want to ensure our recruitment process is accessible and inclusive. If you require reasonable adjustments at any stage, please let us know by emailing careers@sjp.co.uk.
What’s next?
If you’re excited about this role and believe you have the skills and experience we’re looking for, please submit an application by clicking ‘apply’ below and our team will be in touch.
As a business regulated by the FCA we would advise you to familiarise yourself with the conduct regulations and consumer duty obligations prior to an interview with SJP.
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