Delinquency Manager
Company
Location
Cirencester, England, United Kingdom
Posted At
4/11/2025
Advertise with us by contacting: [email protected]
Disclaimer: Hunt UK Visa Sponsors aggregates job listings from publicly available sources, such as search engines, to assist with your job hunting. We do not claim affiliation with St. James’s Place. For the most up-to-date job details, please visit the official website by clicking "Apply Now."
Description
Are you ready to chart your own career path? At SJP we need talented individuals like yourself to support our evolving culture. If you’re seeking an employer that is passionate about excellence, innovation and autonomy, SJP could be the place for you.
At a glance:
Location: Cirencester Office
Workplace Type:
Employment Type: Permanent
Seniority: Associate
The role:
This person will positively impact the Partner Lending activities of the Group by ensuring that recovery activity is effective, and that management of the Group overall credit position is overseen correctly. They will have a substantial impact on the experience of SJP Partners and support the Partner Finance function to achieve its objectives whilst supporting wider corporate objectives. They will support relationship managers in negotiating effective repayment plans, whilst ensuring that clients and other key Stakeholders receive the most appropriate outcome by liaising with SMEs in Legal, Regulatory, Tax, Risk and Finance.
What you'll be doing:
Ownership of the debt recovery workstream. This includes initiating discussions with borrowers, agreeing suitable repayment plans, liaising with stakeholders to agree legal and other communications and reviewing debt settlement proposals.
The ideal candidate will be an experienced professional from the Financial Services industry with broad knowledge of lending and business financials. Their experience will have provided an excellent knowledge of business lending, credit risk management and debt recovery activities, together with experience of understanding and applying Credit Policy. They will have strong problem-solving skills and a high level of Excel proficiency and be able to understand legal concepts and work with internal/external legal counsel to effect debt recovery. To be success in this role they will require high level financial literacy and be able to understand financial accounts and cashflow forecasts.
Essential Criteria
We reward you for the work you do, whether that’s through our discretionary annual bonus scheme that reflects both personal and company performance, competitive annual leave allowance (28 days plus bank holidays, with the option to purchase an additional 5 days), or online rewards platform with a variety of discounts.
We also have benefits to support whatever stage of life you are in, including:
Research tells us that applicants (especially those from underrepresented groups) can be put off from applying for a role if they do not meet all the criteria or have been on an extended career-break. If you think you would be a good match for this role and can demonstrate some transferable experience please apply, regardless of whether you tick every box.
What's next?
If you're excited about this role and believe you have the skills and experience we're looking for, we'd love to hear from you! Please submit an application by clicking ‘apply’ below and our team will be in touch.
As a business regulated by the FCA we would advise you to familiarise yourself with the conduct regulations and in particular consumer duty obligations prior to an interview with SJP.
CUSTOM.POST.T.LINKEDIN
At a glance:
Location: Cirencester Office
Workplace Type:
Employment Type: Permanent
Seniority: Associate
The role:
This person will positively impact the Partner Lending activities of the Group by ensuring that recovery activity is effective, and that management of the Group overall credit position is overseen correctly. They will have a substantial impact on the experience of SJP Partners and support the Partner Finance function to achieve its objectives whilst supporting wider corporate objectives. They will support relationship managers in negotiating effective repayment plans, whilst ensuring that clients and other key Stakeholders receive the most appropriate outcome by liaising with SMEs in Legal, Regulatory, Tax, Risk and Finance.
What you'll be doing:
Ownership of the debt recovery workstream. This includes initiating discussions with borrowers, agreeing suitable repayment plans, liaising with stakeholders to agree legal and other communications and reviewing debt settlement proposals.
- Oversee credit risk management, monitoring leading indicators of credit loss including loan delinquency, borrower business performance and loan to value. Ensure appropriate management actions are in place to mitigate the risk of credit loss.
- Support the continuing evolution of contractual obligations and policy development in relation to debt recovery.
- Where credit recovery is potentially impacted, support internal company-wide projects, such as Consumer Duty, to provide subject matter expert knowledge on the recovery process and associated communications and policy.
The ideal candidate will be an experienced professional from the Financial Services industry with broad knowledge of lending and business financials. Their experience will have provided an excellent knowledge of business lending, credit risk management and debt recovery activities, together with experience of understanding and applying Credit Policy. They will have strong problem-solving skills and a high level of Excel proficiency and be able to understand legal concepts and work with internal/external legal counsel to effect debt recovery. To be success in this role they will require high level financial literacy and be able to understand financial accounts and cashflow forecasts.
Essential Criteria
- Knowledge of financial accounting (CFADS, DSC etc.) in context of assessing affordability of SJP debt.
- Experience/confidence reviewing data within Power BI (tool updated by the role holder for Divisional monthly reviews).
- High level of competency operating with Excel (utilised for assessing level of underlying delinquency).
- Understanding of legal aspects of loan contracts & in particular recovery options using these instruments (needed in financial distress cases).
- Able to oversee high volumes & prioritise cases where critical action required.
- Confident negotiating with SJP leavers (via email, verbally & potentially in person) repayment plans/options.
- SJP business knowledge.
- Lending / legal recovery expertise.
We reward you for the work you do, whether that’s through our discretionary annual bonus scheme that reflects both personal and company performance, competitive annual leave allowance (28 days plus bank holidays, with the option to purchase an additional 5 days), or online rewards platform with a variety of discounts.
We also have benefits to support whatever stage of life you are in, including:
- Competitive parental leave (28 weeks full pay)
- Private medical insurance (optional taxable benefit)
- 10% non-contributory pension (increasing with length of service)
Research tells us that applicants (especially those from underrepresented groups) can be put off from applying for a role if they do not meet all the criteria or have been on an extended career-break. If you think you would be a good match for this role and can demonstrate some transferable experience please apply, regardless of whether you tick every box.
What's next?
If you're excited about this role and believe you have the skills and experience we're looking for, we'd love to hear from you! Please submit an application by clicking ‘apply’ below and our team will be in touch.
As a business regulated by the FCA we would advise you to familiarise yourself with the conduct regulations and in particular consumer duty obligations prior to an interview with SJP.
CUSTOM.POST.T.LINKEDIN
Advertise with us by contacting: [email protected]
Hunt UK Visa Sponsors
Copyright © 2025