Collections & Recoveries Specialist Hybrid in London & Leeds, UK We’re looking for a Collections & Recoveries Specialist We are looking for a diligent Collections & Recoveries Specialist to help us maximise collections returns by understanding the customer’s circumstances and ensuring that all actions achieve the best outcome for iwoca and our clients. The company Small businesses move fast. Opportunities often don’t wait, and cash flow pressures can appear overnight. To keep going, and growing, SMEs need finance that’s as flexible and responsive as they are. That's why we built iwoca. Our smart technology, data science and five-star customer service ensures business owners can act with the speed, confidence and control they need, exactly when it's needed. We’ve already cleared the way for 100,000 businesses with more than £4 billion in funding. Our passionate team is driven to help even more SMEs succeed, through access to better finance and other services that make running a business easier. Our ultimate mission is to support one million SMEs in their defining moments, creating lasting impact for the communities and economies they drive. The team The Collections & Recoveries team at iwoca is responsible for supporting customers who have fallen behind on repayments, with a focus on achieving fair, sustainable outcomes for both the customer and the business. The team takes a customer-first, solutions-oriented approach, working closely with small business owners to understand their financial situation and agree on realistic repayment plans. They balance empathy with commercial awareness, ensuring regulatory compliance while protecting iwoca’s loan portfolio. The role Our Specialist's work within a fast-paced, customer focused environment, providing great customer service while maintaining the team’s excellent track record. You bring strong experience in either debt recovery through the UK courts or insolvency expertise. You know the lifecycle of these types of accounts from beginning to end and can confidently handle the complexities that come with them. You will handle a high case volume portfolio of customer accounts in arrears through to completion with varying and unique circumstances and manage inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and customer service skills. With this role our Specialists also Instruct, liaise and monitor third parties such as debt collection agencies and Paralegals to ensure the best outcome is achieved. Whilst doing this you will Negotiate, implement and monitor feasible repayment solutions that take into account the customer's circumstances while balancing the best interests of the business Requirements We look for people who are smart, humble, motivated and who are always looking to improve. Ideally you'll have: You’ve got end-to-end knowledge of debt recovery via UK courts or insolvency procedures. One of these is a must—you’ll need to be ready to confidently assess the strategic recovery position to maintain your assigned portfolio At least 2 years debt recovery experience, ideally in the commercial/business sector Empathy, forbearance and professionalism Strong communication skills, accuracy and confidence The ability to deal with a variety of challenges, innovate and think on your feet Business acumen, entrepreneurial spirit with real enthusiasm for helping SMEs. Experience within the finance industry is advantageous. Bonus Experience managing a large portfolio of high value business cases Experience with bankruptcy and high level litigation cases Don’t take this list as prescriptive: it’s just to give you a sense of who might do well at the job. We’d still love to hear from you if you don’t hit every point on the list, or if you have other experience. The salary Our base salary range in Leeds is £30,000 - £37,000. Our base salary range in London is £36,000 - £42,000. We want to pay all of our employees fairly, so that’s why we regularly benchmark salaries based on market rates and to recognise your increasing value to our business. For the first month of the role to complete training, there is a requirement to be in the office three times per week. This will then drop to once/twice per week after completion of training. The offices We put a lot of effort into making iwoca a great place to work: Offices in London, Leeds, Berlin, and Frankfurt with plenty of drinks and snacks. Events and community-led groups, including running groups, padel, and monthly ping-pong and pool competitions. The benefits Flexible working hours. Medical insurance from Vitality, including discounted gym membership. A private GP service (separate from Vitality) for you, your partner, and your dependents. 25 days’ holiday per year, an extra day off for your birthday, the option to buy or sell an additional five days of annual leave, and unlimited unpaid leave. A one-month, fully paid sabbatical after four years. Instant access to external counselling and therapy sessions for team members that need emotional or mental health support. 3% Pension contributions on total earnings. An employee equity incentive scheme. Generous parental leave and a nursery tax benefit scheme to help you save money. Electric car scheme and cycle to work scheme. Two company retreats a year: we’ve been to France, Italy, Spain, and further afield. And to make sure we all keep learning, we offer: A learning and development budget for everyone. Company-wide talks with internal and external speakers. Access to learning platforms like Treehouse. Useful links: iwoca benefits & policies Interview welcome pack Whilst we welcome applications from all qualified candidates, please note that this particular position does not offer visa sponsorship. Candidates must be eligible to work in the UK independently.