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  • Credit Controller
    Credit Controller
    15 days ago
    £38000–£42000 yearly
    Full-time
    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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  • Barista / Cashier
    Barista / Cashier
    16 days ago
    £11–£13 hourly
    Full-time
    Isleworth

    About Us: Join our vibrant café where we blend exceptional coffee with a welcoming atmosphere. We are passionate about creating memorable experiences for our customers through great service and high-quality beverages. Job Description: We are seeking an enthusiastic and skilled Barista to join our team. As a Barista, you will be responsible for crafting delicious coffee and tea beverages, providing outstanding customer service, and maintaining a clean and inviting café environment. Your role is crucial in ensuring our customers leave with a smile and a perfect cup of coffee. Responsibilities: • Prepare and serve a variety of coffee and tea drinks, following our recipes and presentation standards., • Operate coffee-making equipment such as espresso machines, grinders, and brewers., • Maintain cleanliness and organization of the café, including workstations, seating areas, and restrooms., • Take customer orders and process transactions accurately using the POS system., • Provide exceptional customer service, including answering questions and making recommendations., • Assist in inventory management, including stocking supplies and notifying the manager of low stock levels., • Adhere to all health and safety regulations and best practices. Qualifications: • Previous experience as a Barista or in a customer service role is preferred., • Strong communication and interpersonal skills., • Ability to work in a fast-paced environment and handle multiple tasks simultaneously., • A passion for coffee and a desire to continuously learn and improve., • Attention to detail and a commitment to maintaining high standards., • Availability to work flexible hours, including weekends and holidays.

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  • Store Manager
    Store Manager
    20 days ago
    Full-time
    Southall

    Job Summary We are seeking a proactive and detail-oriented Store Manager to support our wholesale operations across mobile accessories and consumer electronics. This role is integral to our daily sales activity, customer relationship management, stock coordination, and optimisation of online marketplace performance. The successful candidate will have strong product knowledge of mobile accessories (such as chargers, cables, cases, screen protectors, audio devices, and smart gadgets) and a keen understanding of wholesale or B2B environments. Duties • Respond to B2B customer enquiries and provide accurate product information on mobile accessories and related electronic goods, • Maintain strong relationships with existing wholesale clients and assist in onboarding new accounts, • Process sales orders efficiently and coordinate with logistics/warehouse teams to ensure on-time delivery, • Assist in managing and updating stock levels, product listings, and catalogues for wholesale and online channels, • Support e-commerce operations across platforms such as eBay, Amazon, and Shopify, • Monitor fast-moving mobile accessories and contribute to purchasing decisions based on market trends, • Prepare weekly and monthly sales performance reports, • Resolve customer issues professionally to maintain high service standards, • Experience in a wholesale, distribution, or electronics environment, • Familiarity with Amazon Seller Central, eBay Seller Hub, and other marketplace tools, • Ability to analyse sales trends and assist in stock planning, • Candidates currently on Skilled Worker visas seeking a compliant employer transfer (under transitional Home Office rules) are welcome to apply, • Strong knowledge of mobile accessories and consumer electronics, • Excellent communication skills, both written and verbal, • Ability to work in a fast-paced wholesale environment, • Strong organisational and multitasking abilities, • Good IT proficiency (Microsoft Office, CRM systems, online marketplace tools)

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  • Architect
    Architect
    2 months ago
    £35000–£43000 yearly
    Full-time
    Harrow

    Location: London, United Kingdom Company: UK SMART DESIGN & BUILD LTD Job Type: Full-time | Permanent At UK SMART DESIGN & BUILD LTD, we design and deliver high-quality residential spaces that combine creativity, functionality, and sustainability. We are looking for a talented Architect who is passionate about turning great ideas into buildable, beautiful homes. As an Architect in our team, you will play a central role in the full project journey — from concept design through to on-site delivery. You’ll collaborate with designers, engineers, and construction professionals to bring client visions to life while ensuring compliance with building regulations and technical standards. This position is ideal for someone who enjoys both creative design and practical application, thrives in a collaborative environment, and wants to grow within a design-and-build company shaping the future of residential architecture in London. Key Responsibilities Develop creative, functional, and buildable design concepts for residential projects. Produce detailed architectural drawings, plans, and technical documentation using AutoCAD, Revit, and SketchUp. Work closely with clients to understand their needs, present design ideas, and incorporate feedback effectively. Coordinate with engineers, project managers, and the construction team to ensure seamless integration from design to completion. Conduct site visits to monitor progress, address design challenges, and ensure projects are delivered to specification. Stay up to date with UK building regulations, planning policies, and sustainable design practices. Contribute ideas to improve workflows, design quality, and overall project efficiency. Who We’re Looking For We’re seeking a creative, detail-oriented, and proactive Architect who can balance design flair with technical precision. The ideal candidate will have: A Bachelor’s or Master’s degree in Architecture (or a closely related field). Strong proficiency in AutoCAD, Revit, and SketchUp. A solid understanding of UK planning permissions, building regulations, and construction detailing. Excellent communication and presentation skills, both written and verbal. The ability to manage multiple projects and meet deadlines. A collaborative mindset and a passion for delivering high-quality design and construction outcomes. Why Join Us At UK SMART DESIGN & BUILD LTD, you’ll be part of a growing team that values innovation, teamwork, and continuous learning. You’ll gain exposure to every stage of the design and build process, develop both creative and technical expertise, and contribute to projects that make a real impact. If you’re an ambitious architect who wants to be part of a company that combines design excellence with construction know -how — this is the perfect opportunity to grow your career.

    Immediate start!
    No experience
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