Service · Advisory
Collections as a growth function, not a back office.
Independent advisory drawn from 15+ years across FCA-regulated lenders, specialist finance businesses, and fast-growing fintechs. We sit at the convergence of risk, product, data, and ops. Much of the work is facilitating: translating between teams and shaping decisions. The goal is to turn collections and recoveries into a genuine growth lever rather than a back-office cost, with credit ops crossover where it matters.
Fixed scope
Defined deliverables agreed up front
Operator-led
Built it and run it, not just reviewed it
Board-ready
Outputs structured for committee approval
What you get
- Arrears, recoveries, and NPL strategy designed around your stage, product, and customer base
- Review of the end-to-end collections process, with credit ops crossover where it shapes outcomes
- CX in arrears: customer-first frameworks that turn difficult conversations into retained relationships
- Remediation support where collections performance is underperforming, with clear next actions
- Operating model, roles, and governance for in-house collections teams, fractional or interim cover where useful
- Pragmatic guidance on where AI and decisioning tools genuinely improve collections outcomes, and where they do not
- Optional transition into our collections or credit operations services
Who it's for
- Boards and finance leaders at UK lenders, fintechs, and specialty finance providers
- Founders, MDs, and finance directors at SMEs formalising credit and collections operations
- Heads of Credit and Collections reviewing process or remediating performance
- PE and VC-backed finance businesses preparing for audit, funding, or scale
Considering whether this is the right fit?
A short consultation is usually sufficient. We will give you a candid view on whether to engage now, later, or not at all.
Request a consultation