This job is with St. James's Place, an inclusive employer and a member of myGwork – the largest global platform for the LGBTQ business community. Please do not contact the recruiter directly. What you'll be doing: The role will have an impact on the Partner Lending activities of the Group. By ensuring that recovery activity is effective, this enables the Group to support the continued growth of the lending scheme. Importantly, this role also has a substantial impact on the experience of our partners and effective management of the overall credit position is important for all stakeholders across the group. This role is essential the Partner Finance function to achieve its objectives and support the wider corporate objectives. Within this role you will focus on providing support to our relationship managers in negotiating effective repayment plans whilst ensuring clients and other key stakeholders receive the most appropriate outcome. You will engage with Legal, Regulatory, Tax, Risk and Finance subject matter experts across the business to outline and implement appropriate recovery activities. Key Responsibilities: 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. Who we're looking for: You will be an experienced professional from the Financial Services industry with broad knowledge of lending and business financials. Your experience will have provided you with excellent knowledge of business lending, credit risk management and debt recovery activities and you will have experience of understanding and applying Credit Policy. You will have strong problem solving skills and a high level of excel proficiency, you will have the ability to understand legal concepts and work with internal and external legal counsel to effect debt recovery. To be successful in this role, you will require high financial literacy and an ability to understand financial accounts and cashflow forecasts.