Recoveries Abandonment Analyst

As part of the wider First Party Claims leadership team, the Recoveries Abandonment Analyst plays a critical role in supporting our purpose: helping our customers when they need us most – with speed, ease and understanding.

Within Recoveries, this translates into achieving the highest possible recovery returns in the quickest possible time, contributing to an annual target of recovering approximately £50m from third‑party insurers.

This role acts as the second line of defence for all abandonment decisions across First Party Claims. You will ensure that decisions to abandon (in whole or in part) are technically accurate, proportionate, commercially sound, and aligned with our delegated authority (DA) from Haven. You will provide oversight, challenge, direction and expert guidance on decisions made by operational handlers, team leaders and our panel solicitors – and in some cases, abandonments made outside of Recoveries.

In addition, the postholder will play a pivotal role in supporting and improving AI‑driven recoveries tools, such as automated TPI quantum challenges, liability dispute letters and generative AI communications. You will analyse AI outputs, identify optimisation opportunities, and maintain robust feedback loops to ensure our models remain accurate, compliant and commercially effective.

The Analyst will also own a small portfolio of up to 50 files, taking full responsibility for driving optimal recovery outcomes. Overall, the postholder will be accountable for evaluating and monitoring abandonment activity, minimising leakage, and influencing recovery performance that directly impacts customer experience and business profitability.

Job title: Recoveries Abandonment Analyst

Location: Liverpool or Sevenoaks office /Hybrid/Consider remote working

Working hours: Monday to Friday, 37.5 hours between 9:00am and 5:30pm

Salary: £40,000 - £45,000 plus 10% annual bonus paid quarterly

What You’ll Be Doing

Abandonment Oversight & Governance

Act as the second line of defence for all abandonments involving partial or full removal of AD recovery reserves. Provide sign‑off and decision‑making on abandonment decisions within your £50k handling and authority limit. Ensure decisions are technically robust, commercially balanced and aligned to Haven DA and internal policies. Identify abandonment decisions outside of DA and escalate appropriately to Haven for approval. Maintain full oversight and audit trail of all abandonment activity, including decisions made by: Recovery handlers Team leaders Panel solicitors Other operational teams outside Recoveries

AI Model Oversight, Analysis & Optimisation

Act as the operational SME for AI-generated TPI quantum challenges, liability dispute letters and automated recovery communications. Review AI outputs to ensure accuracy, clarity, compliance, tone and commercial effectiveness. Identify patterns in AI errors, inconsistencies or weak arguments and provide structured feedback to improve prompts, rules, datasets or model logic. Maintain a continuous improvement cycle for AI models, ensuring version control, testing, and communication of updates to operational teams. Analyse TPI outlays, opponent behaviours and settlement trends to shape future AI optimisation strategies. Work collaboratively with Transformation, IT, Data and Recoveries to enhance model performance and embed new capabilities.

Quality, Audit & Leakage Control

Conduct monthly audits of abandonment decisions, identifying themes, risks, opportunities and training needs. Measure, track and report abandonment rates and associated leakage. Develop remedial action plans to reduce leakage and improve decision‑making capability across the function. Deliver clear feedback, coaching and technical guidance to internal teams and panel partners.

Performance Reporting & Analysis

Produce monthly MI and insight‑led reporting for senior leadership, meeting executive‑level standards. Use Power BI and Excel to analyse trends, highlight risks, identify improvement opportunities and present recommendations. Provide insights into factors affecting recovery success, including liability prospects, cost economics, litigation outcomes and commercial viability.

Case Ownership

Maintain a small caseload of up to 50 recovery files, owning all activity end‑to‑end. Optimise recoveries through proactive strategy, strong negotiation, litigation oversight and identification of legal/commercial opportunities. Assess liability prospects, technical strengths/weaknesses, and economic viability of continued pursuit.

Stakeholder Management & Collaboration

Build strong working relationships across First Party Claims, Legal, Motor Engineering, Finance, Risk and external panel solicitors. Provide constructive challenge and expert guidance to senior stakeholders where required. Travel occasionally to claims offices and panel solicitor sites for reviews, training and case conferences.

Technical Expertise

Apply expert knowledge across a wide range of claim types, including: Motor accidents Pothole/damage claims Fire and theft Foreign claims Complex subrogation scenarios Demonstrate awareness of relevant case law and industry frameworks (e.g., Coles, ABP rates, Hussain). Confidently assess litigation risk, judgment enforcement prospects and reasons for trial outcomes.

What You’ll Bring

Technical & Analytical

Strong understanding of the end‑to‑end subrogation and recoveries lifecycle, including post‑issue litigation processes. Excellent attention to detail in decision reviews, file analysis and call listening. Proficient in Power BI and Excel, with the ability to extract insight from complex data. Able to evaluate AI model behaviour, identify anomalies, interpret outputs and provide structured feedback. Ability to produce structured, articulate reports suitable for executive audiences.

Decision‑Making & Commercial Acumen

Able to make balanced, defensible and commercially‑minded decisions. Understands liability, evidential strength, litigation economics and cost/benefit analysis. Ability to challenge constructively and influence at senior levels.

Leadership & Stakeholder Engagement

Strong communicator with the ability to give feedback in a positive, coaching‑led way. Capable of managing relationships with internal colleagues, AI/tech partners and external solicitors. Comfortable working independently, deeply reviewing files, and presenting findings confidently.

Mindset & Behaviours

Analytical, methodical and inquisitive, with a passion for reducing leakage and improving recovery and AI performance. Highly organised, proactive and resilient. Enjoys problem‑solving, challenging existing decisions, and continuously improving outcomes.

Additional Requirements

Some travel to internal claims sites and panel solicitor offices will be required. Expected to maintain strong and up‑to‑date knowledge of industry developments, legal frameworks, AI best practice and recoveries case law.

Grow with Acorn

At Acorn Insurance, we’re proud of our Liverpool roots — and even prouder of how far we’ve come. As part of the Acorn Group, we bring over 40 years of specialist insurance expertise to the table. From humble beginnings, we’ve grown into a national leader, now employing 1,700+ people across the UK and reached a milestone £750 million in total value of insurance policies written in 2024.

We’re growing fast, with new opportunities emerging every week. That growth is largely due to the values we share:

🦏 We run through walls for our customers and each other 🐐 We challenge the status quo 🐧 We succeed when we help those around us succeed 🐆 We decide quickly when the smart thing to do is use our judgement

Benefits:

🌴 35 days’ holiday (including bank holidays) with additional buy/sell options 🧠 24/7 mental health support & free counselling available ☝ Grow with us: Through career fairs, leadership programs, and learning on the go! 💸 Flexible benefits, including early access to salary via our internal platform 🏡 Hybrid working options to support work-life balance and individual needs 🎉 Recognition awards, social events & more

Our Commitment to our colleague’s:

These aren’t just words — they’re the principles we live by. And we’re proud to back them up with real action, earning recognition and accreditation from leading organisations that share our commitment to people and growth:

🧠 Mindful Employer – championing mental health and wellbeing ♿ Disability Confident Level 1 & 2 – creating accessible, inclusive opportunities 🌸 Menopause Friendly accredited – supporting every stage of life 🎖️ Armed Forces Covenant signatory – honouring those who serve 🏆 Great Places to Work 2024/25 – fostering an engaging and positive workplace culture 📈 Best Place to Work for Development – proud to be investing in people’s future 👩‍💼 Best Place to Work for Women – breaking down barriers to women's career progression

If you’re looking for a company with a strong culture, real career progression, and a people-first approach — all rooted in the heart of Liverpool — Grow with Acorn.

A Few Things to Know Before You Apply

We’re really excited that you’re considering joining Acorn! To help everything go smoothly, here are a couple of things to keep in mind:

🔍 Checks & Clearances All roles at Acorn are subject to DBS and financial checks. Any offer we make will be conditional until these are completed to a satisfactory standard.

🌍 Visa Requirements Because our training is quite comprehensive, we can only consider applicants who have at least one year remaining on their Graduate or Post-Study Work visa. At the moment, we’re not able to offer visa sponsorship.

💬 We’re Here to Support You We’re committed to creating an inclusive, supportive workplace where everyone can flourish. If you need any adjustments during the recruitment process—or once you’re part of the team—just let us know. Whether it’s flexible hours, adapted equipment, or a bit of extra support, we’ll work with you to make sure you can do your best work.