Head of Commercial – Debt Purchase
Location: Field-Based (with travel to Manchester, Skipton, Blackpool and Client Offices)
Reporting to: Commercial Director
About the Role
We are seeking an experienced and strategic Head of Commercial – Debt Purchase to lead and scale our commercial operations within the debt purchase sector. This is a management role working with the Commercial Director to own the overall budget/target, strategic partnerships, and key account management. The successful candidate will oversee both commercial and operational client-facing teams, playing a pivotal role in winning new business and managing existing key client relationships across Banking, Financial Services (FS), Retail, Telecommunications (Telco), and Utilities sectors.
Key Responsibilities
- Play a key role in developing and delivering the commercial strategy for the debt purchase division, aligned with wider group goals.
- Win new business through proactive prospecting, networking, and engagement with senior decision-makers across target sectors.
- Manage and grow existing key client relationships, ensuring long-term partnership value and high client satisfaction.
- Lead, coach, and support the Business Development Manager and Client Operations Manager, ensuring alignment between commercial growth and operational delivery.
- Identify, pursue, and secure new market opportunities to drive revenue and profitability.
- Represent the company at key industry events, conferences, and high-level client meetings.
- Structure, negotiate, and close complex commercial deals that are commercially sound and compliant.
- Collaborate cross-functionally with Legal, Compliance, Risk, Operations, and Finance teams to ensure smooth onboarding and delivery for both new and existing clients.
- Drive cross-sell opportunities for group services including Contingent Collections, Field Services, and BPO.
- Maintain a high-quality commercial pipeline, ensuring accurate forecasting and reporting through CRM tools.
- Ensure all activities align with industry regulations, internal governance, and risk frameworks.
Requirements
Essential:
- Substantial experience in a senior commercial or business development role within the debt purchase or wider credit management industry.
- Solid understanding of the compliance and regulatory environment within debt purchase.
- Demonstrated success in winning new business and managing strategic/key accounts.
- Experience managing cross-functional teams, ideally including both sales and operational client functions.
- Strong leadership and interpersonal skills, with the ability to engage and influence at C-suite and Board level.
- Proven track record of negotiating and closing large, complex commercial agreements.
- Deep network and sector knowledge in at least two of the following: Banking, Financial Services, Retail, Telco, or Utilities.
- Highly commercially astute with strong analytical and strategic thinking capabilities.
- Willingness and flexibility to travel to client sites and regional offices as required.
Desirable:
- Experience working with Tier 1 financial institutions or large creditors.
- Exposure to multi-service commercial strategies and integrated solutions.
What We Offer
- Competitive base salary
- Performance-based bonus scheme
- Additional benefits package
- Opportunities for career advancement in a high-growth, multi-service group
- Collaborative and supportive leadership team
We are an equal opportunities employer
We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. At Perch, our strength lies in our team, their enthusiasm, and their passion for the business. Whether you’re looking to gain foundational skills in financial services, have a knack for customer service, or seek to expand your horizons, we likely have the perfect opportunity for you.
Please email your CV to: recruitment@perchgroup.co.uk
Back to Careers page
