Senior Recoveries and Collections Officer

We are seeking someone with significant experience of managing defaulted SME loans, capable of taking a sympathetic approach to borrowers while maximising recoveries for our lenders.

At LendingCrowd, we’re challenging the market for business lending by doing things differently, and that’s where you come in. We’re looking for an experienced Senior Recoveries and Collections Officer who can work as part of a team and proactively on their own within our fast-paced business.

We’re a rapidly growing company, constantly striving to raise our standards, so this is a great opportunity to be part of a genuine Scottish success story. As a Senior Recoveries and Collections Officer, you’ll be a key member of our team, working together to achieve the highest standards of customer service.

**About the role**

Reporting to our Loan Servicing Manager, this is a role for an experienced Recoveries and Collections Officer who can manage a portfolio of cases to maximise recoveries while complying with our corporate values and regulatory and Treating Customers Fairly (TCF) requirements.

As a key member of our team, you’ll be responsible for:

- Managing a portfolio of defaulted SME borrowers
- Serving demand letters
- Maximising the recovery of debt while following our TCF policy and corporate values
- Analysing and interpreting financial information to assess the prospects of recovery
- Reviewing borrower proposals and recommending actions
- Negotiating with borrowers where appropriate to achieve the best outcome for all parties
- Maintaining and updating accurate case notes and attachments within our CRM system
- Submitting statutory papers required under insolvency legislation
- Reviewing and interpreting reports from external professionals, such as insolvency practitioners
- Actively managing the portfolio to ensure borrower arrangements and commitments are delivered on time
- Contributing to monthly reporting of KPIs to the Executive Committee and Board
- Participating in the Servicing Committee

**About you**

In terms of knowledge, skills and experience, we would expect you to display:

- A drive to maximise recoveries while working within our TCF policy and corporate values
- Experience of actively managing a portfolio of SME recovery cases, with a track record of delivering for lenders
- The ability to analyse and interpret financial information, for example P&L, balance sheets and cashflows
- A working knowledge of insolvency law in both England & Wales and Scotland
- Experience in both corporate and personal insolvency
- The ability to work as part of a team and proactively on your own
- Excellent communication, interpersonal and negotiating skills
- A successful track record of achieving impressive recoveries results

It would also be beneficial if you have:

- An accounting qualification

**Opportunities for further development**

As LendingCrowd continues to expand, this role will have the opportunity to participate in the shaping and growth of our recoveries function, including the continued development of our policy, processes and approach. We also sponsor team members through Chartered Banker Institute qualifications to ensure that they build a career at LendingCrowd beyond the role.

LendingCrowd is a leading fintech business, shaping the way SME's borrow money. Blending technology innovation, financial expertise and solid backing. We have driven over £460M in lending to small businesses across the UK since we launched in 2014.

We are perfectly positioned to become the trusted choice for SME financing, with an embedded culture of 'doing the right thing' at our core. We actively encourage the generation and development of ideas from all team members to grow the business. We have an office in the city centre of Edinburgh, based on George Street.

Come join us and be part of our success story

**Job Types**: Full-time, Permanent

Pay: From £30,000.00 per year

**Benefits**:

- Bereavement leave
- Company events
- Company pension
- Enhanced maternity leave
- Enhanced paternity leave
- Life insurance
- Private dental insurance
- Private medical insurance
- Referral programme
- Sick pay
- Work from home

Ability to commute/relocate:

- Edinburgh EH2 2JG: reliably commute or plan to relocate before starting work (required)

**Experience**:

- Recoveries: 4 years (required)
- Debt Collection: 4 years (required)

Work authorisation:

- United Kingdom (required)

Work Location: Hybrid remote in Edinburgh EH2 2JG

Expected start date: 29/09/2025