Recoveries Specialist

Location: Manchester City Centre

Salary: £28,800

Who we are

Join our team of passionate Zutonites and help transform the car finance experience with simplicity and integrity.
Since our journey began in 2006, we’ve grown to a team of over 450 people, all driven by a shared purpose: to make buying a car transparent and hassle-free.

We know how important cars are in people’s everyday lives, for work, family, and freedom, and that’s why we’re proud to help hundreds of thousands of customers every year. From day one, we’ve been redefining what success looks like, creating something special at Zuto: a business that leaves a lasting, positive legacy.

If you’re looking for a place where your ideas matter, your growth is supported, and your achievements are celebrated, you’ll fit right in. Join a team that values collaboration, ambition, and doing the right thing, while having a lot of fun along the way.

The Role

As a Recoveries Specialist, you will be responsible for recovering outstanding balances from dealerships following vehicle rejections or unwind requests. This role is critical in protecting lender funds, maintaining strong dealer relationships, and ensuring regulatory compliance.

Key Responsibilities:

• Manage a portfolio of cases requiring repayment from dealerships after vehicle returns/rejections.

• Review documentation (inspection reports, lender instructions, invoices) to validate refund requests.

• Secure timely payment of outstanding balances in line with lender agreements and internal SLAs.

• Escalate cases appropriately where payment delays or disputes occur.

• Maintain accurate, detailed case records for audit and compliance purposes.

• Work collaboratively with internal teams such as Customer Care, Underwriting, and Finance.

• Support process improvements to streamline communications and enhance dealer accountability.

What you'll need:

We’re looking for someone who is:

• Confident and assertive when dealing with dealerships and third parties.

• Excellent at negotiation, especially around mileage deductions and disputed charges.

• Organised, able to manage multiple live cases and deadlines.

• Solution focused

• Calm under pressure, with strong problem-solving skills.

• Professional and diplomatic, able to maintain positive working relationships even during challenging conversations.

• Familiar with finance, automotive, or regulated environments (desirable but not essential).

• Experienced in debt recovery, collections, or similar roles (preferred).

Why Join Zuto?

At Zuto, we don’t just talk about supporting our people — we live it. Here’s what makes being a Zutonite so special:

Financial Wellbeing

• Pension scheme, life assurance & income protection

• Free independent financial advice

• Lifestyle, restaurant & shopping discounts

• Cycle to work scheme

Physical & Mental Wellbeing

• GP Anytime service for you and your family

• Health cash back plan & access to wellbeing apps

• Discounted gym memberships and free digital fitness classes

Family Friendly

• Enhanced caregiver leave (primary & secondary)

• Flexible and shared parental leave

• Fertility and foster-friendly policies

Culture & Perks

• Birthdays off and volunteer days

• Bring your dog to work and enjoy free in-office massages

• Regular social events from team nights out to hikes, to sports clubs and more

• Regular gifting and celebrations throughout the year

Zuto is committed to nurturing a progressive and inclusive culture and provides equal employment opportunities. No applicant or Zutonite is discriminated against based on age, disability, gender reassignment, marriage and civil partnership, pregnancy, race, religion or belief, sex, or sexual orientation.