Portfolio Operations Team Lead

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About Recognise Bank – a modern business bank built to support the UK’s SMEs with tailored lending and savings solutions. Founded in 2017 by experienced business owners, we challenge traditional banking by offering more flexibility, understanding, and practical support to help businesses thrive. Since receiving our banking licence in 2021, we’ve built a loyal customer base and a strong, diverse team that puts people first.

Our vision is building stronger futures with bespoke financial solutions
. We work closely with UK SMEs and individuals to unlock potential others often overlook through smart, flexible lending and savings products to build and grow stronger futures for lasting success
.

Our values shape how we work and grow together:

• Can do, will do: We take ownership, solve problems, and adapt as our customers’ needs evolve.
• Be brilliant: We show up with curiosity and energy, always striving for better.
• Do the right thing: We act with integrity, responsibility, and care in everything we do.
• Make a difference: We focus on impact, helping our customers, colleagues, and communities succeed.

About the role

As a Team Lead – Portfolio Management, you will support the day-to-day servicing and monitoring of the loan book, including covenant testing, compliance reporting, restructures, extensions, redemptions, arrears, and collections. The role focuses on operational execution, customer outcomes, and maintaining accurate records using internal systems.

Key Responsibilities

• Manage the progression of servicing tasks across the loan lifecycle, including variations, redemptions, and extensions.
• Conduct covenant testing and contribute to compliance reporting to ensure ongoing monitoring of borrower obligations.
• Support the management of accounts in arrears, ensuring early engagement and resolution in line with policy.
• Support restructuring efforts, including extensions and redemptions.
• Assist in recovery efforts for non-performing loans, working with internal and external stakeholders.
• Maintain accurate records and workflows using internal systems, including nCino.
• Monitor task completion against SLAs and escalate issues as needed.
• Collaborate with Risk, Compliance, and Legal to ensure servicing activities meet regulatory and policy standards.
• Contribute to process and system improvement initiatives to enhance efficiency and customer experience.
• Corporate Responsibilities
• Read and follow all relevant company policies and procedures
• Adhere to all risk-related responsibilities applicable to your role, as set out in the Risk Management Policy
• Abide by all compliance and financial crime related policies, procedures and reporting obligations applicable to your role

Required Skills & Experience

• Minimum 5 years’ experience in lending operations, ideally with experience in portfolio servicing, arrears, or collections.
• Understanding of covenant monitoring, loan variations and customer servicing.
• Experience in debt handling or collections is beneficial.
• Proficient in using internal systems to manage workflows and maintain records.
• Familiarity with nCino is advantageous.
• Strong analytical skills and attention to detail.
• Effective communication and stakeholder management skills.

Why Join?

At Recognise Bank, we’re building more than a bank — we’re creating a culture where people feel empowered to make a difference
, supported to be brilliant with a can do will do attitude, and trusted to do the right thing
.

We believe that when our people thrive, so do our customers. That’s why we invest in an environment that reflects our values and supports your growth, flexibility, and wellbeing.

Here’s what you can look forward to:

• Competitive Time Off – Generous annual leave plus bank holidays to rest, recharge, and enjoy life outside of work.
• Work From Anywhere – Up to 4 weeks per year to work remotely from anywhere in the world.
• Learning & Development – Tailored training and support to grow your skills and achieve your professional goals.
• Hybrid Working – To support your work-life balance, we offer a hybrid working model with 4 days in the office and…