Collections Officer Manchester

About the Role

We are Capital on Tap, a financial platform that offers a business credit card, spend management tools, a savings product, and a growing suite of services to support small businesses. With over 1,000 employees, £20bn in annual card spend, and 200,000 customers, we are a profitable company dedicated to providing solutions that meet the needs of small business owners.

Location: Manchester – 3 days in office, 2 days from home (fully office‑based for the first 3 months). Hours: 37.5 hours per week, Monday to Friday, 8 am to 8 pm.

What You’ll Be Doing

• Engage directly with customers to negotiate repayment plans
• Analyse financial situations to create tailored solutions
• Ensure adherence to GDPR, FCA, and FDCPA regulations
• Handle customer complaints and resolve conflicts effectively
• Prioritise multiple tasks while maintaining high‑quality standards
• Work with internal and external teams to support customer outcomes
• Apply collections experience within financial services
• Communicate professionally, both verbally and in writing
• Manage challenging customer interactions with empathy and persistence
• Deliver fair and compliant outcomes in difficult conversations

Diversity & Inclusion

We welcome applications from anyone who shares our commitment to inclusivity. We strive to create a workplace where everyone can be their authentic selves and perform to their full potential.

Benefits

• Salary range £27,000 – £34,000, based on experience
• Private healthcare, including dental and optician services, through Vitality
• Worldwide travel insurance through Vitality
• Anniversary rewards (£250, £500, £750, 4‑week fully paid sabbatical)
• Salary sacrifice pension scheme, up to 7% match
• 28 days holiday plus bank holidays
• Annual learning and wellbeing budget
• Enhanced parental leave
• Cycle to work scheme
• Season ticket loan
• Six free therapy sessions per year
• Dog‑friendly office environment
• Free drinks and snacks in the office

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