Late stage collections agent

About Us We are a leading business lender specialising in providing financial solutions to businesses across various industries. As part of our commitment to maintaining a strong and secure lending portfolio, we are seeking an experienced Late stage Collections agent. This role offers a unique opportunity to work with a dynamic and forward-thinking team focused on resolving debt-related matters and supporting the continued success of our lending operations.Key ResponsibilitiesAccount Management- Handle a portfolio of late-stage delinquent accounts (typically 60+ days past due).- Prioritize accounts based on risk, balance size, and likelihood of recovery.- Determine appropriate strategies (payment plan, settlement, escalation, or legal referral)Customer Engagement- Initiate and manage inbound and outbound communications with customers via phone, email, and SMS.- Use effective negotiation and communication techniques to understand customer financial situations. Strong customer service skills are important given a number of the debtors you will be handling will be vulnerable and in financial difficulties- Handle vulnerable customer effectively as per our internal policies- Handle complaints effectively by objection handling before escalating to a complaints handlerPayment Plan Structuring- Complete income and expenditure forms with personal guarantors to agree on realistic and sustainable repayment plans. Where required assess bank statements to assess the suitability of ..... full job details .....