Collection & Recoveries Manager

• Join Atom bank’s Operations team as Collections & Recoveries Manager, working hybrid from Newcastle 1–2 days a week. • Lead a specialist team supporting Residential Mortgage and SME Commercial customers in financial hardship or arrears. • Oversee complex cases involving debt advice, non-standard litigation, receivership and possession. • Lead Atom’s operational approach to vulnerable customers in line with FCA Consumer Duty. • Deputise for the Head of Department and present to governance and credit committees. • Use MI data to drive automation and operational efficiency.

• Bring proven experience leading teams in a regulated collections, recoveries or arrears environment. • Show strong technical knowledge of collections processes, including debt advice, forbearance and litigation. • Bring deep experience in vulnerable customer management and a passion for fair outcomes. • Show strong initiative, adaptability and drive with a practical mindset. • Communicate, coach and manage stakeholders effectively. • Hold the legal right to work in the UK, as visa sponsorship isn’t available.

• Bring experience underwriting complex mortgage or loan arrears cases. • Show experience with both residential mortgage and SME commercial lending collections. • Bring experience managing outsourced collections partners, solicitors or receivers. • Show experience presenting to governance or credit committees. • Know FCA Consumer Duty and MCOB requirements in depth.

• Lead, coach and develop a team of agents with clear personal development goals. • Deputise for the Head of Department and work with first, second and third line teams. • Oversee collections from pre-delinquency through forbearance, litigation, receivership and repossession. • Underwrite complex arrears cases to find sustainable long-term repayment solutions. • Lead Atom’s operational approach to vulnerable customers in financial difficulty. • Work with outsourced partners, field agents, solicitors and receivers to minimise losses. • Track MI metrics and share performance insights with senior stakeholders and credit committees. • Identify process changes that boost automation and operational efficiency.

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 £55,000–£60,000 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.