Company Overview
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. 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.
Position
Collections & Recoveries Advisor
Team
The Collections & Recoveries team at iwoca supports customers who have fallen behind on repayments, 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.
Responsibilities
Our advisors support and guide customers when things don’t go right. You will build relationships with customers through regular contact to validate, understand and resolve breaches of their loan agreements whilst having purposeful conversations in early arrears to recover payment or ascertain the reason for missed payment and scheduling the next steps accordingly. You will handle high levels of inbound and outbound calls and send emails with a greatest level of care, in a diligent, professional and efficient manner. You’ll negotiate, implement and monitor feasible repayment solutions that take into account the client’s circumstances while balancing the best interests of the business.
Requirements
* Proven experience in debt recovery, ideally in the commercial/business sector in a call‑based environment
* Empathy, forbearance and professionalism
* Strong communication skills on both phone and email
* High levels of accuracy and attention to detail
* 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
Bonus
* Experience collecting business debt
* Insolvency/litigation experience
* A track record of managing a large portfolio of debts
Salary
Base salary range in Leeds: £28,500 – £33,000. For the first month of the role to complete training, you must be in the office three times per week, which will drop to once or twice per week after completion of training.
Culture
At iwoca, the best idea wins. We model our culture on independent thinking, challenging untested logic, and evidence-based decisions. We prioritise learning and growth, and give people the autonomy to develop in the direction that makes them most effective. As a tech company, we believe in the power of AI to help us work faster and better. We provide the infrastructure where every iwocan has access to the best models and your data. We will help our people learn how to use and grow with the new tools available to them.
Offices
* 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
Benefits
* Flexible working hours
* Medical insurance from Vitality, including discounted gym membership
* Private GP service 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
* One‑month fully paid sabbatical after four years
* Instant access to external counselling and therapy sessions for team members who need emotional or mental health support
* 3% pension contributions on total earnings
* 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: France, Italy, Spain, and further afield
Learning and Development
* A learning and development budget for everyone
* Company-wide talks with internal and external speakers
* Access to learning platforms like Treehouse
Compensation Range
£28.5K – £33K
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