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  • Credit Controller
    Credit Controller
    hace 4 días
    £38000–£42000 anual
    Jornada completa
    Brentford

    Job Specification: Senior Credit Control Officer Reports to: [Head of Finance] Team: Financial Solutions / Arrears Management Location: Brentford or Harlow People responsibility: Initially none, but expected to take on leadership responsibilities as the function scales. Role Purpose The Senior Credit Control Officer is responsible for the end-to-end management of arrears, repayment solutions, and debt recovery activities across the Credit Union. The role ensures that members in financial difficulty are treated fairly and ethically while protecting the organisation’s financial position, minimising loan losses, and ensuring compliance with regulatory expectations. This is a senior, analytical, and member-focused role requiring strong judgement, excellent communication skills, and the ability to balance commercial, regulatory, and ethical considerations. Key Responsibilities 1. Arrears Management & Member Engagement • Monitor the loan book daily/weekly to identify emerging arrears and potential high-risk accounts., • Contact members in arrears via phone, email, SMS and written communication to understand circumstances, provide support, and agree appropriate repayment solutions., • Conduct affordability assessments (aligned with FCA and industry standards) to determine realistic repayment plans, forbearance, or restructuring options., • Manage sensitive conversations with members in financial difficulty in a compassionate, ethical, and solutions-oriented manner., • Oversee the process for rescheduled or re-written loans, ensuring consistent application of internal policies. 2. Credit Control Strategy, Policy & Process • Develop, update and embed Credit Control policies, procedures, and workflows in line with regulatory expectations, internal risk appetite, and best practice., • Identify control gaps, improve processes, and introduce new tools and technologies to enhance arrears collection efficiency and member experience., • Ensure all member-facing teams understand basic credit control processes and can provide accurate information to members. 3. External Debt Collection Oversight • Determine when accounts should transition from internal arrears management to external debt collection, based on risk appetite, cost/benefit analysis, and member circumstances., • Act as the primary liaison with third-party Debt Collection Agencies (DCAs), monitoring:, • performance KPIs,, • recovery rates,, • compliance with ethical and regulatory standards,, • value for money., • Review DCA performance data and recommend continuation, escalation, or termination of mandates. 4. Financial Analysis & Loan Loss Provisions • Analyse arrears trends, delinquency migrations, roll rates, and recovery patterns to identify emerging risks., • Provide monthly reporting for management and the Board on arrears, collections performance, and expected credit losses (ECL)., • Work closely with Finance to:, • calculate and validate loan loss provisions,, • understand the impact of write-offs on P&L,, • forecast impairment and recovery levels., • Contribute to stress testing, scenario analysis, and forward-looking risk assessments. 5. Data & Reporting • Maintain accurate and detailed member account notes, arrears records, and repayment agreements., • Produce high-quality management information, including:, • arrears by ageing category,, • new delinquencies vs cures,, • repayment plan performance,, • DCA outcomes,, • provisions and write-offs,, • Consumer Duty-aligned outcomes analysis., • Support quarterly and annual reporting requirements, including materials for the Board, auditors, and potential investors. 6. Risk, Compliance & Conduct • Maintain up-to-date knowledge of regulatory expectations relating to credit control, Consumer Duty, forbearance, fair treatment of customers, and debt collection., • Ensure all arrears and collections activity remains compliant with FCA Handbook, CONC, and internal policies., • Handle member complaints relating to arrears or collections promptly, fairly, and in line with internal complaints procedures., • Demonstrate high standards of integrity, professionalism, and ethical judgement in all member interactions. 7. Team & Leadership (as the function grows) • Support the training, coaching, and development of junior team members., • Help design team structure, performance metrics, and workflow standards for a growing arrears management function., • Provide cover for the Head of Finance or Risk & Compliance Manager as needed on credit-related matters. Person Specification Essential Skills & Experience • Significant experience in credit control, arrears management, or collections within a financial services organisation (bank, credit union, building society, or FCA-regulated lender)., • Strong understanding of ethical and responsible lending practices., • Experience conducting affordability assessments and agreeing repayment solutions., • Strong analytical capability, with the ability to interpret financial and member data to drive decisions., • Excellent communication and negotiation skills, including the ability to manage sensitive conversations., • High proficiency in Excel and core Microsoft applications., • Experience managing relationships with external service providers or debt collectors., • Proven ability to balance commercial objectives with fair customer outcomes. Desirable • Experience working within a credit union or similar mutual financial institution., • Understanding of IFRS 9 impairment principles (or willingness to learn)., • Experience building or improving credit control processes or systems., • Experience in team leadership or mentoring. Qualifications Essential • A finance-related qualification or equivalent relevant industry experience. Desirable • Additional credit management, financial analysis, or regulatory qualifications (e.g., CICM, CeMAP, or similar). Conduct Rules (FCA) You must: • Act with integrity., • Act with due skill, care and diligence., • Be open and cooperative with the FCA, PRA, and other regulators. Values & Behaviours • Ethical, member-focused and compassionate., • Highly organised and reliable., • Analytical and commercially aware., • Calm under pressure, able to manage complex or sensitive cases., • Collaborative team player who contributes to a strong risk culture.

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  • Support Worker
    Support Worker
    hace 7 días
    Jornada completa
    Southall

    Support Worker – Semi-Independent Supported Accommodation Company: Helping Hands Supported Living CIC Location: Multiple locations in Middlesex, London Hours: Full-time or Part-time Start: Immediate We are looking for reliable and compassionate Support Workers to join our team, supporting Vulnerable young people and adults in Semi-Independent Accommodation. Our clients include Care Leavers, individuals experiencing homelessness, Ex-offenders, and people with Mental Health or substance misuse needs. Role Responsibilities: • Deliver regular support sessions and welfare checks, • Support residents with tenancy responsibilities, cleaning rotas, and house rules, • Assist with Universal Credit updates, form-filling, appointments, and daily living skills, • Help clients with college applications, job searches, and accessing external services, • Provide emotional support and signposting to mental health teams, GP, and other agencies, • Maintain accurate support logs, risk assessments, and documentation, • Work collaboratively with social workers, probation and local authorities, • What We’re Looking For:, • Caring, patient, and confident working with vulnerable people, • Strong communication and organisational skills, • Good computer skills — able to write support logs, emails and update client records, • Ability to work independently and manage your caseload, • Previous experience in support work is helpful but not essential, • Willingness to travel between properties What We Offer: • Training and development opportunities, • Supportive team environment, • Career progression, • The opportunity to make a real difference Apply now to join our growing team!

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  • PA & Fundraiser
    PA & Fundraiser
    hace 17 días
    Jornada parcial
    Richmond

    Job description Company Description RBK London is an independent label dedicated to bridging the gap between able and disabled artists through events, publications, and artist development. Founded in 2012 by N Alexander, a disabled businessman and creative visionary, the company aims to create equal opportunities for artists in the music industry. RBK London is committed to empowerment, offering a platform where disabled individuals can develop their unique brands and thrive. With initiatives spanning music, fashion, live events, and an online magazine, RBK London positions itself as the "Paralympics of the music industry." The organisation ensures diverse artists are empowered to reach their full potential and gain recognition. Role Description The PA & Fundraiser will be responsible for providing executive and administrative support, managing diaries, coordinating schedules, and assisting with clerical tasks. As part of the role, the individual will also contribute to the development and execution of fundraising plans, build relationships with potential donors, and support event organisation. The role will involve close collaboration with the CEO and other team members to align activities with RBK London’s mission. Duties will include but not limited to; • Researching & applying for funding applications, • Writing official letters & communications, • Filling out Funding applications, • Admin Duties & diary management, • Assisting with crowd funding.writing to arts charities/ organisation, • Answering telephone calls in a timely and professional manner, • Participate in office-based fundraising activities and meetings., • Contribute to the planning and implementation of fundraising events or initiatives., • Maintain accurate records of contacts and fundraising efforts., • Pursuing funding connections with guaranteeing source of funding the label can access long term, • Running the booking line studio sessions, • Ability to perform Diary Management and strong Clerical Skills, • Interest in or experience with fundraising and event coordination, • Ability to work independently and collaboratively in a dynamic environment, • Prior experience in a nonprofit or arts-related organisation is a plus Please only apply for this if you live within a short or commutable distance of Richmond for required present Candidates must be able to commit to South West London Richmond for office periods Job Type: Part-time Pay (Weekly) : £146.72 a Week Benefits: Company events Schedule: Part time Remote Hybrid In office hours • with 2 fixes in office days in South West London Richmond Two fixed present office days Wednesdays - 12pm to 8pm Thursdays - 12pm to 8pm This is a Self employed position Please ensure your registered self employed before applying for this position. Richmond, Greater London: reliably commute or plan to relocate before starting work

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  • Health Care Assistant (HCA)
    Health Care Assistant (HCA)
    hace 1 mes
    £13–£14.5 por hora
    Jornada parcial
    Hayes

    Home Care Worker – Cooking & Housekeeping Support Location: Southall (UB1) Pay Rate: £13.00 - £14.50 per hour (depending on experience) Hours: Monday to Friday, 17.5 hours per week (Weekends off) • Morning visit: 11:30am - 1:00pm (2 hours) This is a non-personal care role as gentleman is able to manage his personal care duties. The focus is on preparing fresh vegetarian meals and maintaining a tidy, comfortable home ensuring their safety and reporting any concerns. The client is able to express his wants and needs and he has a very supportive family living nearby who visit regularly. Main Duties: • Preparing fresh home-cooked Hindu vegetarian meals such as chapatis, aloo dishes, lady’s fingers, vegetable curries, Indian tea, and English breakfast sometimes., • General housekeeping, including cleaning dishes, tidying the kitchen and bedroom, wiping surfaces, laundry, and keeping the home safe and pleasant., • Ensuring the home remains clean, organised, and welcoming., • Must have the right to work in the UK., • Female applicants only (for cultural preference)., • Experience in Indian vegetarian/Hindu cooking to a high standard., • 2 professional references from previous employers., • DBS on the update service (preferred but not necessary), • Consistent weekday hours with weekends off., • Supportive family and management team., • A warm, respectful environment where your cooking skills are truly valued.

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