Collections Officer – Commercial & Consumer

Are you a confident negotiator who knows how to balance firm, compliant collections with genuine empathy? We're recruiting on behalf of a well-established and highly regarded debt recovery firm in Cheltenham, looking for a Collections Officer to join their Commercial, Consumer & Legal Recoveries team.
This is a fantastic opportunity for an experienced collections professional to manage a diverse portfolio of commercial and consumer accounts, working closely with clients, solicitors and internal teams to drive strong recovery outcomes.
What you'll be doingYou'll manage an end-to-end portfolio of overdue accounts, from first contact through to resolution or legal escalation. Day to day, you'll conduct outbound collection calls and correspondence, negotiating payment outcomes with professionalism and confidence. You'll structure and monitor realistic payment arrangements, issue formal demand notices, and prepare documentation for legal escalation in liaison with solicitors. You'll keep clients and stakeholders updated on recovery progress, maintain accurate records across internal systems, and help identify accounts that need alternative recovery strategies. You'll also contribute ideas to improve processes and team best practice.
What you'll bringExperience in debt collection or accounts receivableStrong negotiation and communication skillsWorking knowledge of relevant debt recovery legislationConfidence liaising with solicitors and clientsHigh attention to detail and strong organisational skillsThe ability to work independently and as part of a teamExperience with Debtcol or similar debt recovery software, exposure to both commercial and consumer collections. Knowledge of commercial litigation and civil procedure will be highly regarded but isn't essential. No formal qualifications required.
What's on offerJoin a business that genuinely lives its values — respect, empathy, collaboration and integrity are at the core of how they operate. You'll be part of a supportive team with real career progression on offer, from Senior Collections Officer through to Collections Manager and beyond.
This is a full-time, on-site role based in Cheltenham, working a standard 38-hour week, Monday to Friday. A satisfactory police check and medical check may be required.
Interested?Apply now or reach out for a confidential discussion. All applications and enquiries are handled by OnGroup on behalf of our client — the identity of the business will be shared with shortlisted candidates.