Lanova Recruitment
Debt Collector
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Debt Collector
Salary: £30,000 – £32,000 per annum
Location: Home Based
We are looking for an experienced Debt Collector to join a busy and established credit control team in a fully home-based role.
This is an excellent opportunity for an experienced credit control professional who is confident managing their own caseload, handling complex accounts and progressing outstanding debts through formal recovery and litigation processes where required.
The Role
Reporting to the Head of Credit Control, you will be responsible for maintaining customer accounts and ensuring payments are received in accordance with agreed contractual obligations.
You will manage accounts throughout the credit control and recovery process, building professional relationships while taking appropriate action to prevent and resolve arrears.
As a senior member of the team, you will be expected to use sound judgement when dealing with more complex cases and know when matters should be escalated through the appropriate recovery procedures.
Key Responsibilities
- Ensuring monthly payments are maintained in line with contractual obligations through effective telephone, email and written credit control.
- Managing your own workload and portfolio of accounts.
- Responding to account and payment queries promptly and professionally.
- Working collaboratively with other departments to resolve queries and complaints.
- Negotiating and arranging suitable payment plans to bring accounts up to date.
- Setting up Direct Debit instructions, ad-hoc payments and payment plans.
- Taking card payments through an online payment portal.
- Maintaining accurate and up-to-date records of all credit control activity.
- Raising credit requests where appropriate.
- Producing early termination or settlement figures.
- Identifying and escalating accounts with significant payment issues.
- Raising Letters Before Action (LBAs).
- Ensuring correspondence is issued in accordance with applicable pre-action protocols.
- Preparing proof of debt and creditor documentation for insolvent or liquidated accounts.
- Preparing civil litigation correspondence.
- Issuing claims through Money Claim Online (MCOL).
- Progressing appropriate cases to High Court Enforcement.
- Carrying out additional duties as required in line with business needs.
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About You
We are looking for someone with strong credit control and debt recovery experience who is comfortable taking ownership of accounts from initial arrears through to formal recovery action.
You will ideally have:
- Substantial experience within Credit Control, Collections or Debt Recovery.
- Experience managing a portfolio of accounts and prioritising your own workload.
- Confidence dealing with difficult or sensitive payment conversations.
- Strong negotiation skills and the ability to agree appropriate payment arrangements.
- Experience of Letters Before Action, pre-action protocols and civil debt recovery processes.
- Knowledge or practical experience of MCOL and progressing debts to enforcement stage.
- Excellent written and verbal communication skills.
- Strong attention to detail and accurate record keeping.
- The ability to exercise sound judgement and know when a matter requires escalation.
- A professional, resilient and customer-focused approach.
- The ability to work effectively and independently within a home-based environment.
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Experience using credit control, payment processing or case-management systems would be advantageous.
Additional Information
You will be expected to safeguard all confidential, commercially sensitive and personal information you encounter as part of your role.
All duties should be carried out in a professional manner that promotes equality of opportunity, dignity and respect.
If you are an experienced debt collector looking for a senior role where you can take ownership of complex accounts and play an important part in the debt recovery process, we would love to hear from you.
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