Scout, Milton Keynes, United Kingdom

Be among the first 25 applicants. We provide flexible financial solutions designed to help businesses and individuals grow and succeed.

Established by experienced business owners, we offer a practical alternative to traditional banking, combining tailored lending and savings products with hands‑on support. Since receiving our banking licence, we have built a loyal customer base and a strong, diverse team committed to helping clients achieve their financial goals.

Our approach focuses on understanding each customer’s unique needs. By offering smart, adaptable solutions, we help businesses and individuals unlock opportunities and build long‑term, sustainable success.

About the role

As a Team Lead – Portfolio Management, you will lead the team responsible for managing the ongoing performance and servicing of the loan book. You will oversee covenant monitoring, compliance reporting, restructures, extensions, redemptions, arrears, and recoveries, ensuring operational excellence and regulatory compliance while driving team performance, efficiency, and continuous improvement across all portfolio management activities.

Key Responsibilities

Portfolio Operations Leadership

• Lead and manage the portfolio operations team, ensuring timely and accurate servicing of loans throughout their lifecycle.
• Oversee covenant testing and reporting to ensure ongoing compliance with borrower obligations and internal policies.
• Support restructuring activities, including extensions, redemptions, and variations, ensuring decisions are well‑informed, customer‑focused, and aligned with risk and commercial requirements.
• Oversee collections and enforcement activity for non‑performing loans, ensuring early engagement and effective resolution strategies while working closely with internal and external stakeholders.
• Ensure accurate record‑keeping and workflow management using internal systems, including nCino.
• Monitor team performance against SLAs and KPIs, driving a high‑performance, execution‑focused culture.
• Collaborate with Risk, Compliance, and Legal functions to ensure servicing activities align with regulatory expectations.
• Support process improvement and automation initiatives to enhance efficiency and scalability.
• Coach and develop team members, fostering ownership, accountability, and continuous improvement.
• Provide operational support to strategic and transformation projects.

Corporate Responsibilities

• Read and follow all relevant company policies and procedures.
• Adhere to all risk‑related responsibilities applicable to your role, as set out in the Risk Management Policy.
• Abide by all compliance and financial crime‑related policies, procedures, and reporting obligations applicable to your role.

Required Qualifications

• Minimum of 8 years’ experience in lending operations, with strong knowledge of portfolio management, arrears, and recoveries.
• Proven leadership experience with a demonstrated ability to manage teams and drive high performance.
• Strong understanding of covenant monitoring, loan variations, and effective customer relationship management.
• Proven experience in debt handling, restructures, and recoveries within a regulated lending environment.
• Proficient in using internal systems to manage workflows and maintain accurate records; familiarity with nCino or similar platforms is advantageous.
• Strong analytical skills with exceptional attention to detail and accuracy.
• Excellent communication, collaboration, and stakeholder management abilities.

Why Join?

We’re building more than a workplace — we’re creating an environment where people feel empowered to make a difference, supported to excel, and trusted to do the right thing. We believe that when our people thrive, so do our customers. That’s why we invest in a culture that reflects these values and supports your growth, flexibility, and wellbeing.

Benefits

• Generous Time Off – Annual leave plus bank holidays.
• Work From Anywhere – Up to 4 weeks per year to work remotely from anywhere in the world.
• Learning & Development – Tailored training and support to grow your skills and achieve professional goals.
• Hybrid Working – A 4‑day‑a‑week hybrid model based from our London office.
• Private Medical Care – Comprehensive healthcare, including optical and dental coverage.
• Enhanced Pension Scheme – Helping you plan and save for a secure future.
• Maternity, Paternity & Adoption Pay – Supporting your family during important life moments.
• Discretionary Bonus – Rewarding your contribution to shared success.

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