Investec is a distinctive Specialist Bank serving clients principally in the UK and South Africa. Our culture gives us our edge: we work hard to find colleagues who'll think out of the ordinary and we put them in environments where they'll flourish. We combine a flat structure with a focus on internal mobility. If you can bring an entrepreneurial spirit and a desire to learn and collaborate to your work, this could be the boost your career deserves.




Purpose of the role



The Collections Officer is responsible for managing delinquent customer accounts, ensuring timely recovery of overdue payments, and maintaining compliance with regulatory standards. This role plays a critical part in safeguarding the organisation's credit risk exposure while delivering excellent customer service.




Key Responsibilities

• Account Management:




• Proactively manage late-paying customers through telephone and written communication


• Negotiate repayment arrangements and forbearance solutions where appropriate




• Compliance & Regulation:




• Operate within Consumer Credit Act (CCA) and FCA guidelines


• Ensure all actions adhere to internal policies and regulatory requirements




• Customer Engagement:




• Handle sensitive conversations with empathy, balancing customer needs and business objectives


• Provide clear explanations of terms and consequences of non-payment




• Reporting & Administration:




• Maintain accurate records of all interactions and agreements


• Prepare reports on collections performance and escalate high-risk cases




• Collaboration:




• Work closely with Recoveries, Risk, and Client Services teams to resolve complex cases

Core Skills & Knowledge

• Strong communication and negotiation skills


• Ability to build and maintain strong relationships and communicate with key interfaces


• Analytical skills


• Client focus


• Negotiation and decision making


• Knowledge of asset finance products and collections processes.


• Familiarity with regulatory frameworks (CCA, FCA)


• Ability to manage high-volume workloads under pressure


• Proficiency in MS Office and collections systems

Technical knowledge

• Regulatory Knowledge as applicable to role


• Understanding of lease and asset finance


• Knowledge of Consumer Credit Act and other regulatory requirements


• AML /KYC requirements


• To act with integrity at all times and embrace the philosophy of treating our customers fairly

Bring your empathy, judgement and clear communication to a role where you'll genuinely help customers through challenging moments. As a Collections Officer in our asset finance team, you'll balance fair outcomes with commercial sense, supported by a collaborative culture and leaders who want you to thrive. If you're looking for meaningful work, real development and a team that values diverse perspectives, we'd love to hear from you.




As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote.



Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work.



Here is a selection of what we offer;




Wellbeing



Wellbeing Subsidy, Corporate Gym Membership, Virtual GP, Peppy Health App (Fertility, Menopause and Early Parenthood), Optional Private Medical & Dental Insurance




Monetary



Non-contributory Pension & Discretionary Bonus




Life & Income Protection



Life Assurance, Critical Illness & Income Protection




Travel



Season Ticket Loan & Electric Vehicle Scheme



Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.




Research shows that some candidates can be reluctant to apply to a role unless they meet all the criteria. We pride ourselves on our entrepreneurial spirit here and welcome you to do the same - if the role excites you, please don't let our person specification hold you back. Get in touch!




Recite Me



We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the 'Accessibility Options' link at the top of the page.



The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.



If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at [email protected] who will be happy to assist.