Recoveries Specialist

Location: Litherland

Recoveries Specialist – High-Impact Lending Role

We are recruiting on behalf of a dynamic, fast-growing lender for a commercially astute Recoveries Specialist. This is an exciting opportunity for a solutions-focused professional who thrives on complex cases, enjoys balancing risk with pragmatism, and is motivated by delivering strong financial outcomes.

The Opportunity
As a Recoveries Specialist, you will take ownership of defaulted and seriously breached loans, proactively structuring exit strategies to maximise recovery while protecting the business and ensuring fair outcomes for borrowers. You will apply sharp financial analysis, confident negotiation, and multi-stakeholder management across legal, valuation, and enforcement channels.

Key Responsibilities

Analyse over-term, defaulted, and high-risk loans to assess recoverability.

Review borrower financials, security positions, guarantees, and exit strategy viability (e.g., refinance, sale, development completion).

Conduct cost-benefit analysis across enforcement options, including receivership, administration, and negotiated settlements.

Prepare structured recovery strategy papers for senior stakeholder sign-off.

Liaise with solicitors, receivers/administrators, valuers, and other partners to implement approved strategies.

Monitor legal proceedings, asset disposals, and enforcement timelines, escalating risks as needed.

Manage legal, insolvency, and asset management costs to optimise net recovery outcomes.

Track post-sale shortfalls and recommend further recovery action where appropriate.

Maintain audit-ready case records, reconciliations, and management information reports.

Ensure all activity aligns with governance standards and credit risk appetite.

Candidate Profile

Proven experience in recoveries, collections, credit control, or financial services operations.

Demonstrated ability to manage delinquent accounts and negotiate repayment strategies.

Familiarity with dispute resolution, complaint handling, or enforcement processes.

Strong financial acumen, analytical skills, and commercial judgement.

Experience working with legal teams, insolvency practitioners, or external recovery partners.

Proficiency with case management systems, CRM platforms, and Excel.

Track record of achieving recovery, resolution, and compliance metrics in a fast-paced environment.

Excellent stakeholder management, communication, and problem-solving skills.

What’s on Offer

Competitive salary with annual reviews and discretionary bonuses.

Hybrid working with flexible hours and occasional travel as needed.

Generous and increasing holiday allowance, with options to buy or sell leave.

Comprehensive benefits including life assurance, income protection, healthcare cash plan, and wellbeing initiatives.

Inclusive, values-driven culture with structured behavioural framework and dedicated mental health support.

Career development via digital learning and a clear progression path.
If you have experience as a Collections Advisor, Collections Agent, Debt Recovery Advisor, Relationship Manager or similar this role could be for you.

Click apply with your most recent CV for consideration.