Investec – Where Out of the Ordinary Happens

At Investec, we do things differently. We're a leading international bank and wealth manager built on a culture of curiosity, entrepreneurial spirit and human connection. Ideas are heard, ambition is celebrated, and impact is encouraged. As part of a team that challenges convention and strives for outperformance, you'll help shape bold solutions for clients who expect something more than the ordinary.

Investec's Commercial Collections team brings together collections and recoveries expertise, skilled negotiation, commercial judgement and risk awareness. Working across our asset finance business, the team manages everything from routine arrears to complex cases involving financial difficulty, disputes, insolvency and specialist recovery action.

What will I be doing?

• Proactively manage a portfolio of overdue commercial accounts, from early arrears through to more complex recovery situations.
• Engage with customers by telephone and in writing to understand the reasons for non-payment and agree sustainable repayment arrangements.
• Review account balances, payment histories, affordability and customer circumstances to determine the most appropriate collection or recovery strategy.
• Monitor payment arrangements and act promptly when commitments are not met, prioritising higher-risk, ageing and broken-promise cases.
• Identify and respond appropriately to financial distress, customer vulnerability, fraud indicators, disputes and potential insolvency.
• Determine when to continue collection activity, escalate a case, pursue asset recovery or make a legal referral, working within delegated authority.
• Investigate and resolve customer queries and disputes, collaborating with colleagues across Credit, Operations, Sales, Legal and Compliance, as well as external recovery partners.
• Maintain accurate and comprehensive records while protecting confidential information, treating customers fairly and meeting relevant regulatory requirements.

What I bring

• A sound understanding of commercial collections, arrears management and recoveries within asset finance.
• Knowledge of lease, hire purchase and commercial loan agreements, including payment obligations, default provisions and asset recovery considerations.
• Awareness of insolvency processes, financial-distress warning signs, customer vulnerability and potential fraud indicators.
• Strong negotiation, influencing and analytical skills, with the commercial judgement to assess repayment proposals and select appropriate recovery strategies.
• Clear and confident communication skills, with the ability to explain contractual obligations and recovery options in plain language and manage difficult conversations professionally.
• Strong investigative and problem-solving capabilities, with the judgement to recognise when escalation or specialist approval is required.
• Effective organisation and portfolio-management skills, supported by accuracy, attention to detail and disciplined follow-up.
• Resilience, adaptability and personal accountability, balancing empathy for customers experiencing genuine financial difficulty with appropriate firmness around contractual obligations.

As part of our collaborative & agile culture, our working week is 4 days in the office and one day remote. We believe that being together enables us to live our values and support our clients and communities in an extraordinary way.

Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work. You can find a list of our benefits here

Embedded in our culture is a sense of belonging and inclusion. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation. We believe that innovation thrives when everyone feels respected, included, and empowered to contribute.

We actively seek out diverse talent and foster an inclusive environment, encouraging applications from people of all backgrounds and experiences. Here, you'll find networks, benefits, and development opportunities designed to support your career journey, wherever it may lead.

If this role excites you but you don't meet every requirement, we'd still love to hear from you. Your unique perspective and experience could be exactly what we are looking for.  Get in touch!

At Investec, we're deeply invested in our clients, our colleagues, and our communities. It's more than a mindset; it's how we show up every day.

Be part of something Out of the Ordinary.

Recite Me

We commit to ensure that everyone is fairly assessed during our recruitment process. To assist candidates in completing their application form, Recite Me assistive technology is available on our Careers pages. This can be accessed by clicking on the ‘Accessibility Options' link at the top of the page.

The Recite Me tool includes a screen reader, styling and customisation options, a series of reading aids, a translator and more.

If you have any form of disability or neurodivergent need and require further assistance in completing your application, please contact the Careers team at [email protected] who will be happy to assist.