Hybrid
London
About us
At Lenkie, we're on a mission to help small businesses turn their bold ambitions into reality. Our lending products make access to capital faster, fairer, and more flexible, enabling SMEs to grow with confidence. We’ve provided millions in funding to hundreds of UK businesses with our loan book growing 4x 2025 and we’re just getting started.
We are a friendly and collaborative team with a fast-paced and high-performing culture. We are headquartered in London but with team members across Nigeria, South Africa and London. We’re backed by top-tier investors and have recently closed a £49M equity and debt Series A investment round to significantly scale the business across the UK in 2026.
About the job
We are looking for a proactive and experienced Collections Manager who is passionate about managing arrears, protecting company capital, and maintaining positive relationships with our SME borrowers. The ideal candidate will have a strong background in SME debt recovery and credit control within a lending environment, specifically working with Personal Guarantees (PGs).
As an early hire in this pivotal role, you will help shape our collections framework, contributing directly to our ongoing stability and success. You will be responsible for executing the collections process and managing the recovery of overdue funds, ensuring we balance risk mitigation with a professional customer experience.
Key Responsibilities
• Arrears Management: Proactively manage the collections lifecycle for SME accounts, from early-stage delinquency through to recovery.
• Negotiation & Recovery: Contact borrowers to negotiate repayment plans and settlements, specifically leveraging Personal Guarantees (PGs) to secure recoveries.
• Process Development: Work with the Head of Risk to develop and refine Lenkie’s collections policies and procedures, ensuring they align with market best practices.
• Portfolio Monitoring: Monitor and manage the risk associated with our SME lending portfolio, providing data-driven insights on delinquency trends.
• Stakeholder Collaboration: Work closely with the sales, product, and account management teams to ensure seamless management of distressed accounts.
• Reporting: Support the Head of Operations to prepare detailed reports on arrears, recovery rates, and portfolio health for senior management.
• Continuous Improvement: Proactively contribute to improving collections tools and strategies to support Lenkie’s growth while safeguarding against loss.
Qualifications/Required Skills
• Experience: 3 to 5 years of experience in SME lending collections or credit control within a lender.
• Security Knowledge: Significant experience in managing collections involving Personal Guarantees (PGs).
• Analytical Skills: Strong ability to analyse financial statements and borrower behaviour to make informed decisions on repayment viability.
• Industry Knowledge: Deep understanding of the UK SME lending market and the legal framework surrounding B2B debt recovery.
• Communication Skills: Strong verbal and written communication skills to conduct firm yet professional negotiations with business owners.
• Problem-Solving: Curiosity and the ability to make sound judgment calls in high-pressure situations while balancing recovery speed with brand reputation.
• Attention to Detail: Meticulous attention to detail in recovery assessments and portfolio analytics.
Nice to Have:
• Debenture Expertise: Previous experience dealing with the enforcement of Debentures.
• Tech Proficiency: Additional benefit if familiar with analytical programming languages such as Python, SQL, R, etc.
Nice to have
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How we reward performance
• Very competitive salary, including equity.
• Hybrid work culture, with 3 days per week in our Shoreditch office.
• Be part of a fast-growing tech company at a pivotal moment in its journey.
• The opportunity to make a significant impact on small businesses globally.
• Regular team and company socials.
We’re building a diverse, inclusive and supportive team where everyone can do their best work. We welcome applications from people of all backgrounds, experiences and perspectives, and we do not discriminate based on age, disability, gender reassignment, marriage and civil partnership, pregnancy and maternity, race, religion or belief, sex, or sexual orientation. If you require any reasonable adjustments during the recruitment process, please let us know.
If you would like to apply for this role please send a CV and any other relevant information you want to share to careers@lenkie.com