Collections & Recoveries Specialist

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.

We’re looking for a Collections & Recoveries Specialist We're looking for an experienced Collections & Recoveries Specialist to own our most complex and high-value overdue accounts — taking each one from start to resolution, whether that's a negotiated settlement, litigation or insolvency. This is a specialist recoveries role covering contentious and non-contentious collections. You'll already understand the end-to-end lifecycle of these types of accounts and be confident communicating with customers and stakeholders to secure the best outcome for iwoca and our customers.

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 to medium business owners to understand their financial situation and agree on realistic repayment plans where possible. They balance empathy with commercial awareness, ensuring regulatory compliance while protecting iwoca’s loan portfolio.

Where you’ll work

This is a hybrid role based in Leeds or London. For your first month you'll be in the office every day for training, with the expectation dropping to once or twice a week thereafter.

The role

Our Specialist's work within a fast-paced, commercially focused environment, balancing fair treatment of customers with the the best outcome for the iwoca. You will have strong hands-on experience in either debt recovery through the UK courts and/or insolvency procedures. You will know the lifecycle of these accounts from beginning to end and can confidently handle the complexities that come with them.

You will manage a portfolio of accounts with outstanding balances up to 1m through to completion with varying and unique circumstances, managing inbound and initiating outbound telephone calls, letters and emails with the greatest level of care, accuracy and professionallism.

A flavour of what you'll own:

A portfolio of complex, high-value accounts through to resolution — including County Court Judgments (CCJs), charging orders and enforcement action

Reviewing the full financial and asset picture of an account to decide the best route to recovery

Recommending and evidencing the right strategy for each account — a negotiated settlement, a repayment arrangement, or pursuing recovery through litigation

Negotiating and monitoring repayment arrangements on difficult accounts, with clear consequences for non-payment

Instructing and liaising with internal paralegals and external insolvency practitioners

The requirements

We look for people who are smart, humble, motivated and who are always looking to improve.

Essential:

End-to-end, hands-on experience of debt recovery through the UK courts and/or insolvency procedures. This is essential — you'll be expected to assess the strategic recovery position on each account to maintain your assigned portfolio

At least 2 years debt recovery and / or insolvency experience, ideally in the commercial/business sector

Sound commercial judgement and the confidence to make decisions on complex, high-value accountsA patient, empathetic and professional manner, especially in difficult conversations

Strong communication skills, accuracy and confidence

Desirable / Nice to have Experience…