Who are we?
Propensio Finance plays a central role in in the Consumer Finance Industry, as one of the most successful Home Improvement Lenders in the UK. We have the appetite, influence, expertise, and resource to drive positive market change, and our mission is to ensure more people have availability to funds to improve lives through lending.
From the day your journey with us starts, we will provide you with continuous learning to suit your needs and our requirements. As a team, we inspire and support each other to ‘be the best we can be’!
A bit about you
Our team delivers first class service to our customer and supplier network across the UK. To successfully integrate with the team, you will be experienced at working at pace, whilst demonstrating excellent organisational and interpersonal skills.
You will be a highly organised and detail-oriented individual who will manage our Collections and Business Support functions. You will be able to demonstrate excellent communication and negotiation skills and you will be able to work with others as part of a team in a collaborative and inclusive way. You will have a strong background in Collections and will be familiar with all regulatory requirements that cover the collection of late payments. Your attention to detail will be outstanding and you will be proficient in the use of Microsoft Office packages such as but not limited to Outlook, Word and Excel You will also have the ability to adapt quickly in an ever-growing environment.
What we offer
• A competitive annual salary of £32k-35k with 25-days annual leave entitlement, plus bank holidays.
• A Continuous Learning Program to keep you in the loop with relevant progression within the business and changes to economic mechanics, policies, and procedures.
• We also offer free onsite parking.
• We will support you wherever possible, so that you don’t miss out on what matters to you.
• If you ever need a bit of extra help, we have a great employee assistance programme, financial wellbeing support and access to many great discounts with leading high street names.
• If you are a member of a professional body, then do let us know because we may consider covering the cost of your annual subscription/membership.
• Our Workplace Pension is provided by Scottish Widows
Your responsibilities
• To develop and implement effective collections strategies to maximise income, productivity, and success rates whilst maintaining positive customer relationships.
• Ensure compliance with all regulatory guidelines and internal policies as well as staying
• abreast of Industry trends and best practice.
• Manage a team of Collections and Business Support Officers, providing guidance, support and training as required.
• Develop and encourage team members to be the best that they can be.
• Undertake regular account and telephone audits of team members to ensure compliance
• with all regulatory guidelines, and internal policies and to identify any training and coaching requirements.
• Conduct quarterly reviews with all team members to provide feedback on
• performance/audits and identify any future potential learning and development needs.
• Ensure the well-being of all team members.
• Ensure the timely reconciliation of all financial tasks relating to the collection of all
• customer payments.
• Prepare regular reports on collections activity presenting data and insights to Senior
• Management.
• Collaborate with cross-functional teams including sales, risk and compliance,
• underwriting and customer service to resolve complaints and escalate customer issues.
• Contribute to our credit decision process.
• To manage the onboarding of all new suppliers ensuring that supplier records are
• managed and maintained with the most up to date information in line with internal policies and procedures.
• To develop strong working relationships with Colleagues, Suppliers, Partners, and other
• service providers as necessary.
• Any other tasks as defined by Line Manager
• Apply all aspects of the desired consumer outcomes of Treating the Customers Fairly (TCF) and Consumer Duty
Requirements and Skills
• Educated to GCSE level in both Maths and English.
• 3-5 years’ experience in a supervisory/managerial role in a Collections environment
• Knowledge of unsecured lending and the consumer credit act 1974 relating to same.
• Excellent communication Skills both Written and Verbal.
• Patience and Resilience
• Strong organisational skills with the ability to multitask and prioritise workloads.
• Ability to work as part of a team and independently if required.
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