Collections Operations Manager (Residential)

As a Collections Operations Manager (Residential) you will lead the end-to-end operational delivery for our regulated mortgage customers in financial difficulty across pre-arrears early arrears forbearance litigation and repossession. The role will create clear accountability for the full residential customer journey ensuring great customer outcomes effective management of the arrears portfolio support for vulnerable customers and robust conduct and regulatory control and efficient recovery strategies for customers and the business.

As a Collections Operations Manager (Residential) we are looking for someone to: 

• Lead the day-to-day operations across the end to end regulated Mortgage Collections and Recoveries journey
• Ensure the teams deliver good customer outcomes and  experience
• Oversee high-volume collections activity and specialist case management across residential regulated accounts ensuring activity is appropriately segmented by customer circumstances vulnerability affordability risk exposure and recoverability
• Act as the point of escalation and decision maker for complex residential regulated cases including vulnerable customers non-responsive customers unsustainable arrangements litigation referral possession strategy settlement proposals and exit routes
• Maintain effective contact case management and recovery strategies that support early intervention sustainable forbearance where appropriate and timely progression to recovery action where required
• Ensure adherence to regulated collections and recoveries policies procedures mandates conduct expectations Consumer Duty requirements and agreed governance frameworks
• Partner closely with Credit Risk Portfolio Risk Legal Asset Management Recoveries Finance Strategy Data and third-party suppliers to optimise residential customer outcomes and protect the Groups balance sheet and reputation
• Use MI portfolio insight and root-cause analysis to improve residential treatment strategies prioritise effort reduce avoidable arrears progression and increase operational effectiveness
• Support transformation automation and service modernisation initiatives including improved workflow contact strategy decisioning data quality and performance reporting
• Maintain robust operational governance including quality assurance issue management risk event management audit readiness supplier oversight and clear decisioning records
• Deliver a supportive career-focused coaching culture where colleagues have clear objectives understand the role they play in delivering fair customer and business outcomes and receive regular high-quality management intervention
• Ensure colleagues are recruited onboarded trained and managed in line with business and regulatory expectations with appropriate capability development and succession planning
• Role model Togethers beliefs champion inclusion and contribute to the delivery of the firms wider objectives across customers colleagues communities and sustainability

Qualifications :

Essential:

• Significant operational leadership experience within residential mortgage Collections and Recoveries environment
• Strong understanding of the end-to-end residential regulated collections and recoveries lifecycle including forbearance vulnerable customers litigation and possession
• Experience leading managers collections representatives specialist case handlers customer support teams or operational specialists in a regulated performance-led environment
• Strong customer and risk judgement with the ability to balance customer circumstances affordability vulnerability asset position recoverability legal options cost time and risk appetite
• Good understanding of residential secured lending mortgage arrears management standards regulated customer treatment conduct risk Consumer Duty expectations and credit risk controls
• Experience using operational MI portfolio insight segmentation and performance data to diagnose issues prioritise effort and improve outcomes
• Strong stakeholder management skills with experience working across Credit Risk Legal Asset Management Finance Operations Strategy and third-party suppliers
• Understanding of legal and recovery routes relevant to residential secured lending including litigation possession enforcement asset sale settlement and shortfall recovery options
• Proven ability to operate with strong governance clear decisioning records effective controls and appropriate challenge in a regulated environment
• Confident communicator with the ability to influence senior stakeholders lead through change and translate strategy into operational execution

Leadership Capabilities and Behaviours:

• Customer and conduct focused: makes balanced decisions that support fair customer outcomes while protecting value reducing loss and delivering sustainable business outcomes
• Outcome focused: creates clarity pace and accountability across operational priorities case progression and performance delivery
• Risk-aware: embeds disciplined controls governance mandate adherence conduct standards and assurance into everyday residential regulated collections and recoveries activity
• Collaborative: works across residential operations credit legal asset management finance and supplier teams to remove friction and improve the end to end journey
• Inclusive leader: builds capable engaged teams where colleagues understand expectations and are supported to perform and develop
• Change-orientated: identifies opportunities to simplify automate and modernise residential regulated collections and recoveries delivery

Additional Information :

Together embraces diversity and inclusion and are proud to be an equal opportunity workplace. Not only do we welcome difference we celebrate it support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds perspectives and skills.

If you feel youd benefit from any support or reasonable adjustments during any stage of the recruitment process please dont hesitate to let us know when completing your application. This information will be picked up by our team so we can try and put steps in place to help you be at your best through this process.

Click here for more information on our Recruitment Process

Please note that all successful applicants will undergo relevant employment reference financial and criminal record checks.

#TMHP

Remote Work :

No

Employment Type :

Full-time