What does a plumbing apprenticeship, ten years on a building site, and a career in debt collection have in common?

Absolutely nothing.

But what I learned in all those jobs is that the people closest to the work, the ones actually doing it, always have the best ideas.

When I first started in a contact centre, I was terrible. After a month of following the script and struggling, my manager asked if I wanted to sit next to someone else. In all my wisdom, I decided to sit next to the highest-collecting agent in the room.

His name was Vinny.

The Agent Who Changed Everything

We were working in debt collection. Everyone around us followed the script - voices raised, pushing for payments. Vinny sat there with a dusty Rubik's cube and a stained coffee mug, looking like an old hippy(which, by his own admission, he was).

Everyone else was loud and intense. Vinny was calm. He just talked to people.

And he was the top performer on the floor.

After a few days, I asked him what his secret was.

He smiled: "If you want to collect honey, you don't kick the hive."

That line stuck with me. Vinny showed me something important- sometimes the quietest people, the ones who do things differently, are the real innovators. He hadn't been told to change his approach. He just noticed what worked and trusted his instinct.

But here's the sad part - Vinny never told his manager.

"Because it's not in the script. I'd probably get marked down on QA."

He thought doing what worked meant breaking the rules. And as I sat in the chaos of the contact centre, I realised something:

If innovation feels like rebellion, we've built the wrong culture.

Your Agents Are Already Innovating

Frontline people are natural innovators. They live the process every day - they see what works, what doesn't, and they care about making it better.

But they don't do it because they're thinking about efficiency or the bottom line. They do it because they're human. They want to make their jobs simpler, smoother, less stressful.

Agents find smarter ways through clunky systems and shave seconds off repetitive tasks - not out of laziness, but instinct. It's the most natural form of innovation there is.

That's actually what Lean thinking is all about. It's not a corporate framework - it's common sense, done consistently. It's asking everyday: "What's getting in the way, and how can we make it easier?"

Our agents are already doing that. They just don't call it Lean.

The challenge for leaders is to recognise that behaviour, support it, and give it a name - to turn natural innovation into intentional improvement.

But too often, agents don't speak up. Rigid scripts, metrics obsession, or fear of "breaking process" make them feel like their ideas don't count.

So if we want innovation to thrive, our job as leaders isn't to create it - it's to unblock it.

When Doing the Right Thing Looks Like Breaking the Rules

A few years later, when I became a manager, I inherited Katie. She cared deeply about customers but was struggling with collections. Every one-to-one she'd say, "I'm doing it the way they tell us to, but itdoesn't feel right to push people like that."

So I sat in on her calls.

She wasn't talking about taking payments. She was talking about helping people get out of debt. "Let's figure out a plan that works for you." "What's getting in the way right now?"

On paper, she was off-script. She wasn't hitting the "ask for payment" markers. But her customers trusted her. They opened up. And slowly, her results climbed.

One day she said, "I know it's not what they want, but I feel like I'm actually helping people this way."

Sometimes doing the right thing looks like breaking the rules. I backed her. She became my best collector.

The Power of Perception

If you owed £400 to British Gas and your mortgage advisor told you to pay it, you'd thank them for protecting your credit score.

But if I, a debt collector, called about that same £400, it would feel completely different - even though it's the same advice.

Katie understood that. She changed the conversation from "Can we take a payment?" to "Let's help you get out of debt."

That tiny shift - from transaction to transformation -changed everything. Quiet, human innovation.

And here's the thing: this was before Consumer Duty. Before Treating Customers Fairly. Before the FCA. Katie was ahead of the industry curve.

It's Not People That Stop Innovation. It's Process.

Most of the time, our systems make innovation difficult.

QA, KPIs, scripts, compliance - all built with good intentions. But somewhere along the line, the systems started running the people instead of the other way around.

  • QA should measure the quality of the outcome, not just the accuracy of the process. Too often it's about catching mistakes instead of coaching improvement.
  • KPIs - we measure speed, wrap time, promises to pay, then wonder why empathy gets rushed. If you measure speed, you'll get speed. If you measure empathy, you'll get empathy. If you measure both - you'll get balance.
  • Scripts protect consistency, but they shouldn't control humanity. The best conversations are guided, not governed.
  • Culture is the biggest killer. Not process - fear. Agents stay quiet because they've seen others shot down. Silence in a contact centre isn't peace - it's potential going unheard.

These systems aren't bad. They were just built for consistency, not creativity. Our challenge is to rebuild them for both.

The Ripple Effect of Small Ideas

When people feel safe to share and experiment, you see the ripple effect.

I've seen it first-hand:

An agent suggests a note template - saves 30 seconds per call, three hours a day across the team.

Another swaps "you need to" for "what we can do together is" - complaint rates drop.

A team starts a Friday "what worked this week?" huddle - positivity skyrockets.

Tiny things. Massive impact.

When one person's idea is implemented, everyone starts looking for their own. That's how culture changes - not with slogans, but with ripples.

Start With One Question

When I think back to those days sitting next to Vinny, I realise he probably had no idea how much he changed my outlook.

At the time, I thought it was about keeping calm on the phones. But now I see it was about leadership, culture, and trust. You don't get great performance by pushing harder - you get it by creating the conditions for people to do their best work.

My mission has always been to change the world - not the whole world, at least not at first - but the world of debt collection. Because for too long, our industry has carried a negative perception. But what we really do is help people move forward.

And for me, that started with Vinny. That one quote. He was the stone that started the ripple - the ripple I intend to turn into a wave.

So when you go back to your teams, try this: ask questions.

"What's one small thing we could fix this week?"

"What's that one hack that is an absolute must?"

"How would you improve this process?"

Listen to the answers. Act on them.

Because once people see their ideas become real, that's when the ripples start. And that's when cultures change.

If you want to collect honey, don't kick the hive.

Trust your people. Listen to your frontline. And give them permission to make things better - one small idea, one ripple, one wave at a time.

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Jamie Corbett is an Operations Leader at Advantis Credit. He spoke at Afterwork with MaxContact, a contact centre community event, where he shared his journey from the frontline to leadership and his mission to change the perception of debt collection through agent-focused innovation.

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