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Collections Officer
Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.
Purpose of the Role
The Collections Officer is responsible for managing delinquent customer accounts, ensuring timely recovery of overdue payments, and maintaining compliance with regulatory standards. This role plays a critical part in safeguarding the organisation's credit risk exposure while delivering excellent customer service.
Key Responsibilities
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Account Management
- Proactively manage late-paying customers through telephone and written communication.
- Negotiate repayment arrangements and forbearance solutions where appropriate.
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Compliance & Regulation
- Operate within Consumer Credit Act (CCA) and FCA guidelines.
- Ensure all actions adhere to internal policies and regulatory requirements.
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Customer Engagement
- Handle sensitive conversations with empathy, balancing customer needs and business objectives.
- Provide clear explanations of terms and consequences of non-payment.
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Reporting & Administration
- Maintain accurate records of all interactions and agreements.
- Prepare reports on collections performance and escalate high-risk cases.
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Collaboration
- Work closely with Recoveries, Risk, and Client Services teams to resolve complex cases.
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Core Skills & Knowledge
- Strong communication and negotiation skills.
- Ability to build and maintain strong relationships and communicate with key stakeholders.
- Strong analytical skills.
- A client-focused approach.
- Negotiation and decision-making ability.
- Knowledge of asset finance products and collections processes.
- Familiarity with regulatory frameworks (CCA, FCA).
- Ability to manage high-volume workloads under pressure.
- Proficiency in MS Office and collections systems.
Technical Knowledge
- Regulatory Knowledge applicable to the role.
- Understanding of lease and asset finance.
- Knowledge of the Consumer Credit Act and other regulatory requirements.
- AML / KYC requirements.
- Commitment to acting with integrity and embracing the treat customers fairly philosophy.
About the Culture
Bring your empathy, judgement, and clear communication to a role where you'll genuinely help customers through challenging moments. As a Collections Officer in our asset finance team, you'll balance fair outcomes with commercial sense, supported by a collaborative culture and leaders who want you to thrive.
If you're looking for meaningful work, real development, and a team that values diverse perspectives, we’d love to hear from you.
Working Arrangements As part of our collaborative and agile culture, our weekly schedule is four days in the office and one day remote.
Benefits Offered
- Wellbeing Benefits:
- Wellbeing Subsidy
- Corporate Gym Membership
- Virtual GP
- Peppy Health App (covers Fertility, Menopause, and Early Parenthood)
- Optional Private Medical & Dental Insurance
- Monetary Benefits:
- Non-contributory Pension
- Discretionary Bonus
- Protection & Life Benefits:
- Life Assurance
- Critical Illness & Income Protection
- Travel Benefits:
- Season Ticket Loan
- Electric Vehicle Scheme
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Commitment to Belonging and Inclusion
Embedded in our culture is a sense of belonging and inclusion. This creates an environment where everyone is free to be themselves, fostering innovation, creativity, and ultimately driving business performance. At Investec, we strive to make it easy for everyone to feel valued and to belong, integral to our purpose and values.
Research shows that some candidates are reluctant to apply unless they meet every criterion. We pride ourselves on our entrepreneurial spirit and encourage prospective candidates to apply if the role excites you, regardless of whether all criteria are met - don't let our person specification hold you back.
For further assistance with applications due to disability or neurodivergent needs, please contact the Careers team at CareersUK@investec.co.uk.
To ensure everyone is fairly assessed during our recruitment process, Recite Me assistive technology is available on our careers pages. It includes screen readers, styling and customization options, reading aids, and a translator. Accessibility options are accessible via the “Accessibility Options” link at the top of the page.
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