Team Leader overseeing arrears and collections strategies as Zego enters the lending market. Collaborating with cross-functional teams to optimize operational efficiency and enhance customer outcomes.
Responsibilities
Support with the design and implementation Zego’s arrears and recoveries strategy, covering early intervention, late-stage collections, and recoveries.
Own day-to-day performance across arrears and recoveries outcomes.
Develop and maintain collections procedures, and playbooks, aligned with FCA regulation and Treating Customers Fairly (TCF).
Introduce clear segmentation and treatment strategies to improve customer engagement and outcomes.
Identify inefficiencies and lead continuous improvement initiatives to reduce arrears and improve resolution times.
Partner with Product and Tech to help shape systems, tooling, and automation to support recovery operations.
Use MI and data insights to track performance, identify trends, and inform decision-making.
Build, lead, and develop a high-performing arrears and recoveries team.
Set clear goals, KPIs, and quality standards, ensuring accountability and strong performance management.
Design and deliver training programmes, coaching plans, and onboarding for new joiners.
Act as the subject matter expert for arrears and recoveries across the business.
Provide insights and recommendations to senior leadership on credit performance, risks, and improvement opportunities.
Requirements
Proven experience in arrears, recoveries, or credit operations, ideally within consumer lending, premium finance, or financial services.
Strong people management experience, including coaching, performance management, and team development.
Experience setting up or improving collections and recovery processes in a growing or changing environment.
Solid understanding of credit risk, arrears management, and regulatory requirements (FCA, TCF, GDPR).
Ability to balance commercial outcomes with fair customer treatment.
Confident stakeholder manager, able to influence across teams and seniority levels.
Professional qualifications (e.g. CICM) or equivalent hands-on experience are valued.
Compliance training (KYC, AML, GDPR, TCF) is highly desirable.
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