Debt Recovery Agent - #2090661

Car Finance Recovery Agent (Field-Based) Glasgow

Base salary £32,000 per annum (OTE £50,000)

Role Overview

We are seeking a confident, resilient, and professional Car Finance Recovery Agent to join our team. This role involves visiting customers at their homes to discuss overdue vehicle finance accounts, negotiate repayment solutions, and, where necessary, carry out lawful vehicle repossession.

The ideal candidate will be customer-focused while maintaining firm adherence to company policies, legal requirements, and ethical standards.

Key Responsibilities

• Conduct field visits to customers with outstanding or defaulted vehicle finance agreements
• Engage with customers in a respectful and professional manner to resolve arrears
• Negotiate repayment plans and settlements where appropriate
• Assess individual situations and recommend suitable recovery actions
• Carry out vehicle repossession in line with legal and company procedures when required
• Complete detailed reports and maintain accurate records of all interactions
• Ensure compliance with all regulatory guidelines, including consumer credit and repossession laws
• Handle potentially sensitive or confrontational situations calmly and safely
• Liaise with internal teams, including collections, legal, and asset management departments
• Safeguard company assets and ensure secure transportation of repossessed vehicles where applicable

Key Skills & Competencies

• Strong communication and negotiation skills
• Ability to manage difficult or confrontational situations professionally
• High level of emotional intelligence and customer awareness
• Resilience and ability to work independently in the field
• Good problem-solving and decision-making abilities
• Strong attention to detail and accurate record-keeping
• Knowledge of finance recovery processes (preferred but not essential)
• Understanding of relevant legal/regulatory requirements (desirable)

Experience & Qualifications

• Previous experience in collections, debt recovery, enforcement, or a similar field role is highly desirable
• Experience in customer-facing or conflict-resolution roles beneficial
• Full, clean driving licence and own vehicle required
• Basic IT skills for reporting and communication
• Relevant training or certification in enforcement or recovery (advantageous but not required)

Working Conditions

• Primarily field-based with regular travel within a designated area
• Flexible working hours, including evenings and occasional weekends
• Exposure to potentially challenging situations in customers’ homes

Health, Safety & Compliance

• Adhere to all company health and safety policies at all times
• Follow lone working procedures to ensure personal safety
• Ensure all repossessions are conducted lawfully and ethically
• Escalate any risks or incidents promptly

What We Offer

• Competitive salary + performance-based incentives
• Comprehensive training and ongoing support
• Career development opportunities
• Pension and benefits package

get you application in today.

Good luck!!