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 doing

- You'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 bring

- Experience in debt collection or accounts receivable




- Strong negotiation and communication skills
- Working knowledge of relevant debt recovery legislation
- Confidence liaising with solicitors and clients
- High attention to detail and strong organisational skills
- The ability to work independently and as part of a team
- Experience 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 offer

Join 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.

📌 Collections Officer – Commercial & Consumer (Cheltenham)
🏢 ON Group
📍 Cheltenham