Collection & Recoveries Agent

• Join Atom bank’s Operations team as a Collections & Recoveries Agent, working hybrid from Newcastle. • Support Business lending and Residential mortgage customers through every stage of the arrears lifecycle. • Own each case from early-stage support through to litigation and property sales. • Build real relationships with customers and understand their individual circumstances. • Guide customers towards the right outcomes when it matters most. • Help streamline and automate daily workflows with an ‘up and Atom’ approach.

• Bring experience working in an arrears or collections environment. • Communicate clearly in speech and writing, showing empathy for the customer’s point of view. • Stay organised and detail-focused, following processes, procedures and deadlines. • Bring a ‘can do, will do’ attitude and high ethical standards. • Adapt quickly to a changing environment. • Share collections expertise with teammates and keep developing your own skills.

• Bring experience in residential mortgage collections. • Show experience in business lending collections. • Know MCOB guidance and FCA/PRA Conduct Rules. • Bring experience handling litigation, repossessions or property sales cases.

• Carry out income assessments and use effective questioning to understand each customer’s situation. • Find the right forbearance options for individual cases. • Explain arrears consequences and litigation stages to customers clearly. • Signpost customers to support such as free debt advice and local foodbanks. • Manage residential mortgage and business lending accounts from early arrears through to litigation and property sales. • Follow MCOB guidance, Atom policy and PRA/FCA Conduct Rules while flagging risks. • Spot opportunities to automate or streamline daily workflows.

Atom bank is one of the most compelling places to work in UK fintech right now, and not just because of the four-day working week. Atom became profitable for the first time in 2024 and has grown its loan book by 29% to £5.3 billion, while being consistently rated the UK's highest-rated bank by its customers on Trustpilot. The four-day work week is real and established: in November 2021, Atom became the largest company and only bank in the UK to introduce the policy for all employees, genuinely reducing contracted hours from 37.5 to 34 per week with no salary cut, and job applications rose 49% as a result. There is also genuinely no mandatory office attendance, with only around 10% of staff regularly coming in. What really stands out is that Atom has done all of this from Newcastle, building one of the UK's best-loved banks without ever opening a London office. Glassdoor reviewers consistently highlight the brilliant people, the no-blame culture, and the interesting and meaningful work. The main caveat to note is that some employees, particularly at more senior levels, have reported limited progression opportunities as the company matures beyond its early startup phase. But if you want to work somewhere that backs its values with action, a genuinely flexible, people-first bank that is growing sustainably and has a product its customers genuinely love, Atom is hard to beat.

• Earn £28,000–£37,500 depending on experience, plus a discretionary cash bonus. • Work flexible hybrid hours in Newcastle on a 4-day week. • Receive a generous pension with up to 13% employer contribution. • Use a £200 yearly “All About Me” fund for personal development. • Take 22.5 days’ annual leave plus public holidays. • Get private medical insurance, a health cash plan and life insurance. • Join the electric vehicle scheme.

Atom bank is a UK digital bank on a mission to make finance faster, simpler and more human. It has moved away from the traditional banking model to build products that work for customers whenever and wherever they need them. Atom is regulated by the PRA and FCA and is based in the North East of England.