Loan Recovery & Collections Specialist - Secured Lending
Location: London / Home-based
Salary: £38,000-£68,000 + Performance Bonus + Benefits
Sector: Specialist Lending / Alternative Finance
An exciting opportunity has arisen to join a fast-growing, well-funded alternative SME lender as a Loan Recovery & Collections Specialist.
The business is looking for an experienced secured lending collections professional to take ownership of arrears management and recoveries across a growing loan book. Reporting into senior leadership, this is a hands-on role where you will play a critical part in protecting the business's portfolio, managing borrower relationships and driving successful recoveries.
This is an excellent opportunity for someone from a bridging finance, secured lending, specialist mortgage or alternative finance background who wants to join an ambitious business where they can have real ownership and impact.
The Role
As Loan Recovery & Collections Specialist, you will be responsible for managing the full arrears and recovery lifecycle, including:
Managing loans from first missed payment through to resolution.
Contacting borrowers in arrears, understanding circumstances and agreeing appropriate solutions.
Managing formal arrears processes in line with FCA Consumer Duty requirements.
Instructing and liaising with external solicitors on enforcement matters.
Managing LPA receiver appointments and property recovery processes.
Coordinating with solicitors, receivers and estate agents to maximise recovery outcomes.
Maintaining accurate case records and producing portfolio recovery reports.
Supporting senior leadership with insights on arrears trends and credit performance.
About You
You will ideally have:
Proven experience managing arrears and recoveries within secured lending.
Background in bridging finance, secured SME lending, specialist mortgages or commercial property finance.
Experience managing cases through formal recovery processes.
Knowledge of LPA receiver appointments and property enforcement.
Experience working with external solicitors and recovery partners.
Strong attention to detail with excellent case management skills.
Ability to balance commercial outcomes with fair treatment of customers.
Essential Experience
Successful candidates will have:
✅ 3+ years' experience in secured lending collections/recoveries
✅ Experience managing property-backed loans
✅ Understanding of arrears processes, enforcement timelines and legal procedures
✅ Ability to manage multiple live cases independently
✅ Strong written and verbal communication skills
Desirable Experience
Experience working for a bridging lender, specialist lender or alternative finance provider.
Knowledge of FCA Consumer Duty and vulnerable customer requirements.
Experience with LPA receivers and property recovery.
Familiarity with loan management systems and portfolio reporting.
CeMAP, CeFA or relevant financial services qualifications.
What's On Offer
💷 £38,000-£68,000 basic salary (depending on experience)
📈 Performance bonus up to 15% of salary
🏡 Home-based flexibility
🚗 Fully expensed travel for enforcement-related activity
📚 Professional development and FCA-related training support
🌱 Opportunity to join a growing specialist lender at an exciting stage of expansion
This is a rare opportunity to join an ambitious alternative lender where your expertise will directly contribute to the success and growth of the business.
If you have experience in secured lending recoveries, bridging collections or property-backed loan enforcement and are looking for your next challenge, we would love to hear from you.
Apply today for a confidential conversation.
