Legal Recoveries Officer
Branded Financial is growing – fast
We’re on a mission to become the best specialist lending company in Australia and New Zealand, and we’re looking for ambitious, driven people to help get us there.
We’ve got bold goals and a clear vision for the future. That means exciting opportunities for those ready to champion new ideas, challenge the status quo, and grow alongside us.
If you’re hungry to make an impact, thrive in a fast-paced environment, and love turning ideas into action – you’ll feel right at home here.
Some recovery roles are about working a queue. This one is about taking ownership of the complex debt recovery matters that require judgement, persistence and a clear understanding of the legal options available.
We are looking for a Legal Recoveries Officer to manage complex accounts through late stage recovery, insolvency, litigation and enforcement. You’ll join a small Late Recoveries team and take ownership of a specialist function that sits between Collections and the external lawyers and agents who help us enforce our contractual rights.
This role is where you will have a strong understanding of insolvency and recovery law, experience in navigating complex debt matters as well as the ability to make commercial decisions in challenging situations.
The role
You’ll pick up files following default and agency placement, assess the available contractual and legal recovery options, and determine the best path forward.
Depending on the matter, that could involve negotiating a final resolution with a customer or guarantor, managing an insolvency or liquidation process, instructing lawyers and recovery agents, overseeing the repossession and realisation of an asset, or pursuing a remaining shortfall.
You’ll be trusted to manage your matters from assessment through to resolution, balancing customer circumstances, legal obligations, recovery prospects and commercial outcomes.
What you’ll do
- Manage complex secured and unsecured accounts through litigation, insolvency, liquidation, enforcement and recovery
- Take ownership of files following default and external agency placement
- Assess contractual and legal recovery options based on exposure, risk, cost and the likelihood of recovery
- Act as the key link between Collections, external lawyers, insolvency practitioners and recovery agents
- Negotiate settlements, payment arrangements and late-stage resolutions with customers, guarantors and third parties
- Prepare legal documentation and clear, comprehensive instructions for solicitors and enforcement providers
- Coordinate statements of claim, default judgment applications, process serving and other enforcement activity
- Manage liquidation, insolvency and guarantor recovery processes
- Oversee asset repossession and realisation, including the management of any remaining shortfall
- Maintain accurate, audit-ready case files, legal registers and critical deadlines
- Contribute to the continued development of effective late-stage and legal recovery processes
What we’re looking for
This is quite a specialised role. You may come from legal recoveries, commercial collections, debt litigation or insolvency. Alternatively, you may be a paralegal or legally trained professional with strong exposure to collections, lending or asset recovery.
You’ll bring:
- At least two years’ experience in legal recoveries, commercial collections, debt litigation, insolvency or a related financial services environment
- A strong understanding of late-stage debt recovery, litigation and enforcement processes
- Knowledge of insolvency, liquidation, guarantor recovery, asset realisation and shortfall recovery
- An understanding of contractual rights and the commercial considerations involved in pursuing legal action
- Confidence handling difficult negotiations and holding your position when circumstances become challenging
- Experience instructing and working with external solicitors, recovery agents and enforcement providers
- Strong written communication skills, including the ability to prepare formal correspondence and clear legal instructions
- Sound judgement and the ability to make practical, commercially informed decisions
- High attention to detail and the ability to manage multiple complex matters and deadlines
- A resilient, tenacious approach, balanced with fairness, professionalism and an appropriate customer focus
**Knowledge of Australian civil procedure, NCCP requirements, the Privacy Act 1988 and ASIC and ACCC debt collection guidelines will be valuable. A paralegal, legal executive, insolvency or law-related background is highly regarded, but is not essential.
