Collections & Recovery Specialist

At MTF, our mission is to help New Zealanders get ahead by making lending about people again. We're New Zealand's money experts with locals helping locals all over the motu, powered by a world-class funding system.

100% New Zealand owned and operated since 1970, MTF provides personal and business loans to Kiwis old and new through our nationwide network of over 200 franchised offices, vehicle dealers and business partners. We've grown to be one of New Zealand's iconic household-name brands, with business assets of more than $1B.

There is a strong sense of pride in the work we do. We have a fervent love for our Dunedin heritage but we're a national business, and a team, who reach communities and customers right across New Zealand.

When you join MTF, you join a dynamic, innovative and highly trusted team. Whether you join our National Office, or one of our franchises, you're joining team who share a deep passion for the communities we serve and doing the best for our customers, while also having an unwavering commitment to help our own people learn, grow, and thrive.

About the role:

The Collections & Recovery Specialist plays a vital role in minimising MTF's credit risk and potential losses by leading effective collections, recovery, and default management activities, while supporting our network of originators to do the same. By providing exceptional service and guidance to customers, MTF originators, and key stakeholders, this role strengthens our overall credit risk management framework and contributes to sustainable portfolio performance.

Just some of the things you're responsible for:

Management of direct lending portfolio arrears

• Maintain oversight of all contracts in arrears, taking appropriate action in line with the arrears timeline and legal requirements
• Manage arrears within MTF's risk appetite and policy settings
• Initiate outbound contact with customers (phone, text, or email) to negotiate repayment arrangements or default remedies.
• Follow up on all missed payments, arrangements, and promises to pay, escalating to the Collections & Recovery Lead where require

Supporting the MTF Network

• Promptly responding to all enquiries in relation to customer loans where financial or non-financial default is imminent or has occurred.
• Supporting our network of originators with arrears management, asset recovery, and debt collection activity.
• Supporting our originators to comply with MTF credit policy and regulatory requirements as they relate to the recovery of an asset and any legal proceedings.
• Making recommendations on accounts that may require escalations or interventions
• Identify, action, and follow up impaired customer loans until reinstatement or settlement.
• Initiate appropriate recovery action on impaired loans in alignment with intended customer outcomes, SLA's and MTF's policies and procedures.
• Providing support and training throughout the business as required
• Supporting the Recovery lead with tasks & projects that ensure high service standards for the network.
• Constant state of process improvement. Identifying opportunities to optimize how we do things
• Supporting our network of originators with arrears management, asset recovery, and debt collection activity.

You'll need to have:

• Tertiary qualification in commerce or a relevant discipline (essential)
• 3-5 experience and expertise (minimum 3 years)
• Champion of change, innovation, and continuous improvement
• Tenacious and resilient
• Strong analytical and problem-solving capabilities, with the ability to investigate and identify anomalies, outliers, or issues

What you'll receive in return:

• We're a New Zealand business on a mission to be New Zealand's favourite finance company, and we're proudly based in Dunedin.
• Be part of a proud New Zealand business on a mission to become the country's favourite finance company, with strong roots in Dunedin.
• Enjoy a culture that celebrates success – regular office celebrations, shouts and our incentive schemes reward both individual achievements and business outcomes.
• Join a dynamic, collaborative team in a modern, central office where people genuinely enjoy working together and take pride in being MTFers.
• Work in a supportive, vibrant environment where teamwork, accountability, and delivering on commitments come first.
• Take advantage of ongoing development opportunities, coaching, and mentorship to help you grow your skills and career.
• Receive a competitive remuneration package, including fully funded medical insurance, performance incentives, flexible leave options, and other great benefits.
• Build your career in Dunedin and experience the best of the South, all while contributing to a nationally recognised, iconic business.
• Be part of a leadership team that truly supports one another — collaboration at this level is non-negotiable.