Arrears & Litigation Manager

Are you a skilled **Arrears & Litigation Manager** with experience in mortgage servicing looking to rise to a new challenge?

Pepper Advantage is one of the leading specialist loan servicing companies in the UK and we are currently looking for an Arrears and Litigation Manager with proven experience in arrears and litigation processes to join our dynamic team in **Skipton, North Yorkshire**.

If you are open to a new opportunity and would like the chance to work within an organisation which can offer competitive benefits and career progression, then this is the role for you.

We are looking for highly motivated professionals with experience in managing residential mortgage and loan portfolios in a highly customer-focused environment within the financial services sector - particularly those that have entered the arrears or litigationstages.

Your role will involve the day-to-day management of an experienced mortgage administration team, including queue performance, mandated decision-making, complaint-handling, and project work. We service end-to-end mortgages which flow through the completemortgage life cycle.

**As an Arrears and Litigation Manager, your key responsibilities will include**:

- managing a team of Arrears and Litigation Specialists delivering workout solutions to customers experiencing payment difficulty.
- delivering positive customer outcomes and managing the credit risk associated with loan level decisions.
- overseeing a compliant and robust litigation process through actively managing internal processes and third-parties.
- developing strategies for dealing with delinquent loans according to best practice techniques and changes to the regulatory environment.
- assessing loan workout options at account level and then entering into dialogue with the customer to discuss the options and determine the best outcome.
- monitoring loan workout performance, preparing MI, and analysing arrears reports/trend analysis and using this to refine/improve servicing strategy.
- assessing and actioning arrears referrals received from team members for decisions outside their mandate.
- attending third-party review meetings where necessary, including preparation of agendas and documenting actions.
- keeping up to date with government initiatives relating to arrears and litigation and recommending changes to strategy where required.
- facilitating the timely provision of accurate MI to internal and external stakeholders.
- mentoring and developing a direct team, managing work allocation, training, problem resolution, performance evaluation, and the building of an effective team dynamic.

**Benefits**:

- Salary of £45,000 - £50,000 per annum
- Hybrid working
- Private medical insurance
- Salary Sacrifice Pension matched up to 8%
- 25 days holiday plus bank holidays
- EAP
- Enhanced Maternity and Paternity
- Wellbeing days
- Volunteering days
- Eye care
- Payroll giving
- Reward and Recognition program
- Life Assurance

**Essential Skills**:

- Team management experience
- Experience in managing residential mortgage and loan portfolios
- Ability to analyse problems, think creatively, and make effective decisions in the appropriate timescales
- Proven experience in Arrears & Litigation
- Strategic thinker with the ability to turn ill-defined opportunities and problems into clear strategic paths
- Demonstrates leadership ability, team management, and interpersonal skills
- Excellent analytical and abstract reasoning skills, plus excellent organisation skills
- Demonstrates self-reliance and motivation
- Be detail-orientated, and able to use data effectively
- Effectively delegate, and able to work to tight deadlines
- Demonstrate the ability to form productive relationships at all levels
- You will need good knowledge of Microsoft Excel. Knowledge of Dimensions Access Accounting and Phoebus will be of benefit but not essential.

**About Company** We currently operate in nine jurisdictions across the UK, Europe, and Asia Pacific, and have over US$50 billion in assets under management. We employ more than 1,100 people to look after 65 clients and 1,000,000 end-users - and we're growing fast. Throughheavy investment in tech-enablement and data and analytics, we are driving operational efficiency, empowering clients, and expanding our remit all over the world.

Working across commercial and residential real estate, personal and SME loans, credit cards, asset finance, and point of sale, our advanced credit intelligence platform enables us to arrive at the best solutions for our clients and their customers, and alwayspushes for the right outcome, whatever financial journey they're on.

As an employee of the Pepper Advantage community, you'll be part of a unique global-scale data network, giving you access to all the latest market trends and opportunities. You have to be in it to get the full Advantage