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  • Delivery Driver
    Delivery Driver
    4 days ago
    £12.21–£13.43 hourly
    Part-time
    Crystal Palace, Croydon

    Yard Sale Pizza is on the search for a Moped Delivery Driver to join our amazing team. Our winter bonus scheme applies to Moped Drivers and Cyclists where an extra 10% of hours worked can be earned, earning up to £13.43 per hour. Terms and conditions apply, during winter months only. Who are we? Yard Sale Pizza fired up the oven in 2014, starting with weekly supper clubs from our backyard in Hackney. We now offer delivery, dine-in and takeaway in 15 of our favourite neighbourhoods. Known for our collaborations, we've teamed up with illustrators, musicians, international chefs local eateries- all on the quest for the perfect pie! We've won London's most-loved restaurant in Time Out's 2016 Love London awards, were awarded Best Cheap Eats in the Observer Food Monthly Awards in 2017, and were voted London's favourite pizza in Time Out's inaugural Clash of the Slices in 2022. We're a young and fast-growing company who offer plenty of career progression for hard working and talented individuals. Our third shop south of the river and we are so excited to be joining the Crystal Palace neighbourhood. We'll be open seven days a week for delivery collection, plus there's a few seats to dine in too! We're hiring for safe and respectful drivers to deliver our delicious pizzas hot'n'fresh across multiple sites in London! You must have excellent navigation and customer service skills. We can offer a fun working environment with a fantastic team and provide everything including mopeds, insurance and equipment. You'll get hands-on training from an experienced team and brilliant opportunities to work your way up in the business if you seek progression and want to learn new skills such as management or pizza chef skills. What's on offer: • Paying £12.21 per hour starting 1st April, • Fully insured 110cc Mopeds and weatherproof equipment provided, • Permanent contract - up to 5 shifts per week depending on the needs of the business., • All overtime is paid for, • Opportunities to progress to Senior Driver Position, • Payment every 2 weeks, • Team Tips paid monthly based on how many hours you work, • Other bonus incentives and refer-a-friend scheme, • We'll pay half of CBT renewals (Terms apply), • With our in-house Training programs you can become a manager or a pizza chef! Essential requirements: • Available to work Friday and Saturday evenings (shifts finish up to 11.30pm), • 18 years and over, • Excellent navigation, customer service skills, • Great time management Other perks include: • Free pizza on every shift, • Staff parties throughout the year, • Uniform and other merchandise to celebrate your milestones working with us, • CBT Scheme where we pay for 50% of renewals (terms and conditions apply), • Hospitality Action's Employee Assistance Programme (EAP) offers free independent, expert, support and advice 24/7 to all YSP staff. If this sounds good, then we can't wait to hear from you! Pizza \& Love, YSP

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  • Support Worker
    Support Worker
    5 days ago
    £12.21 hourly
    Full-time
    Uxbridge

    Job Purpose To provide high-quality learning, personal and wellbeing support to adults with learning disabilities and additional needs. The post holder will support service users to access education, community activities and life-skills programmes, promoting independence, dignity, inclusion, and positive outcomes in line with the Centre’s ethos, vision, and values. Ethos, Vision, and Values The post holder will: • Demonstrate and promote the Centre’s ethos, vision, and values, • Maintain a strong belief that students can and do achieve, • Respect service users as individual adults with rights, dignity, and autonomy, • Promote equality, diversity, and inclusive practice, • Act as a positive role model at all times Main Duties and Responsibilities Teaching and Learning Support • Engage with service users during lessons and break times, promoting independence and communication, • Follow guidance from the Class Lecturer and Senior Teaching Aide to reinforce learning and support individual targets and destinations, • Prepare learning environments for internal and external activities, ensuring resources are available and cleared appropriately, • Create learning resources under guidance using Microsoft Office 365 and specialist software following training, • Encourage progression towards employment, community participation and independent living, • Promote self-reliance, self-regulation, and increased self-esteem, • Support a wide range of curriculum activities, including community-based learning, swimming, sports, and trampolining., • Promote the use of ICT in learning, including tablets (iPads) and internal systems, • Following training, support the consistent use of hi-tech communication aids and assistive technology, • Record service users progress using written observations, photographs, and videos, contributing to ongoing and end-of-term evaluations, • Support basic skills programmes for individuals and small groups, including in community settings, • Provide physical support where required, including mobility, wheelchair use, personal and intimate care and responding to emergencies Positive Behaviour Support • Support service users with a range of needs, including behaviours of concern, • Understand, implement, and contribute to Personal Support Plans (PSPs), • Collect, record, and share relevant data as requested, • Support participation in meaningful activities by:, • Ensuring at least one activity is always available, • Encouraging participation in essential but less preferred tasks using motivation and rewards, • Introducing new activities to broaden choice, • Supporting skill development for increased independence, • Maintaining a balanced and varied programme of activities Safe, Consistent and Predictable Environments • Use strategies such as visual timetables and social stories, • Support structured routines and informed choices, • Identify and reduce environmental factors that may contribute to challenging behaviour, • Support service users to cope with unfamiliar or challenging environments Nursing, Medical and Personal Care • Support service users’ health and wellbeing by following individual care and medical plans, • Undertake basic first aid and administer PRN medication (e.g., EpiPen) following training, • Provide personal and intimate care with dignity, respect, and sensitivity Therapy and Physical Support • Support manual handling needs in line with individual guidelines, including walking support, wheelchair use and hoists, • Implement individual programmes under guidance from the Integrated Services Team, including:, • Communication guidelines, • Eating and drinking plans (following training and sign-off), • Physiotherapy programmes, • Contribute to multi-disciplinary discussions regarding service users progress and provision Safeguarding, Compliance and Professional Responsibilities • Safeguard and promote the welfare of all service users and report concerns in line with safeguarding procedures, • Follow key documentation including Risk Assessments, Care Plans, PSPs, and Behaviour Support Plans, • Adhere to Health and Safety policies at all times, • Participate in training and professional development, • Promote and follow all Centre policies, including Safeguarding, Equality & Diversity and Health & Safety, • Work flexibly, • Undertake other duties of a similar nature as required by the principal

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  • Macmillan Engagement and Patient Involvement Programme Manager
    Macmillan Engagement and Patient Involvement Programme Manager
    11 days ago
    £40000 yearly
    Full-time
    Croydon

    LOCATION: Mitcham Road and other locations across six South- West London boroughs, Richmond, Kingston, Wandsworth, Merton, Croydon, and Sutton RESPONSIBLE TO: Chief Executive Officer of Croydon BME Forum RESPONSIBLE FOR: 3 x Engagement and Patient Involvement Team Members SALARY: £40,000 per annum HOURS: 37.5 hours per week LENGTH: Until January 2027 with possible extension Context of the Role: The Programme Manager leads the delivery of the Can You C Me Project across six South West London boroughs. The role exists to reduce cancer inequalities, improve personalised care, influence system-level change and strengthen culturally competent support for Black and ethnically diverse communities. The Programme Manager oversees day-to-day service delivery, manages the Engagement and Patient Involvement team across multiple boroughs, builds strategic partnerships with healthcare, voluntary and community organisations, and ensures that people affected by cancer receive person-centred, timely and appropriate support. Croydon BME Forum, in partnership with Macmillan Cancer Support, is addressing ethnic inequalities in health and social care through this project. The team is based in the community, working alongside healthcare, faith, and voluntary sector partners to provide tailored support following a cancer diagnosis. Now in its third and final year, the project builds on the successes of the first two years, reflecting on what has been achieved and examining the impact on healthcare inequalities, while continuing to deepen and broaden its reach across South West London. The Programme covers Croydon, Kingston, Merton, Richmond, Sutton, and Wandsworth, all within the South West London Integrated Care System. The Programme Manager is responsible for leading three Engagement and Patient Involvement Team Members, each managing two boroughs, and ensuring consistent, high-quality delivery across all areas. For the remainder of the project, the team will plan and deliver three borough-specific conferences in Sutton, Merton, and Richmond. These events will raise awareness of cancer treatment and support issues affecting BME communities, amplify patient and community voices, and drive actionable change to improve access, experience, and outcomes for people affected by cancer. Key Responsibilities: 1. Programme Leadership and Strategy Lead the programme’s strategic direction and ensure activity aligns with project aims, contract, Macmillan standards and ICS priorities. Lead mobilisation, development and delivery of the service across six boroughs. Ensure the programme meets operational, financial and contractual requirements. 2. Stakeholder Engagement and System Partnerships Work closely with CNSs, GPs, primary care teams, hospital cancer leads, commissioners and voluntary sector partners. Consult with decision makers, healthcare leaders, and community leaders to ensure programme relevance and integration. Represent the programme at borough, ICS and community forums. 3. Team Leadership and Workforce Development Line manages three Engagement and Patient Involvement Team Members, ensuring manageable workloads and consistent quality. Provide supervision, guidance and support on complex cases, safeguarding and escalation. Promote a positive, inclusive team culture and support development. 4. Community Engagement and Co-design Build relationships with grassroots groups, faith communities, local leaders and culturally diverse networks. Lead co-design and lived experience involvement across the programme. Support the team to plan and facilitate high-quality steering groups, focus groups and listening events. 5. Service Delivery Oversight Oversee delivery of assessments, signposting, one-to-one support and group interventions. Ensure culturally competent, person-centred delivery across boroughs. Support the planning and delivery of cancer conferences. 6. Training, Education and Cultural Competence Deliver or support training for healthcare professionals and community partners on cancer inequalities and culturally sensitive care. Work with Macmillan and clinical partners to embed learning into local pathways. 7. Monitoring, Evaluation and Reporting Lead on the collection, monitoring and analysis of programme data and insights. Produce high-quality evaluation reports, borough summaries and KPIs. Use insight and community voice to identify gaps and inform improvements. 8. Governance and Risk Management Ensure robust processes, safeguarding protocols, and administrative systems are in place. Identify, manage and escalate risks appropriately. 9. Legacy, Sustainability and Long-term Impact Develop a sustainability plan to ensure the programme’s learning, partnerships, and approaches continue beyond the funded period. Embed structures, processes and tools that support long-term adoption of culturally competent, personalised cancer support. Produce legacy resources such as toolkits, training modules, frameworks and evaluation summaries. Build capacity across healthcare, community and voluntary sector partners to sustain improvements. Document and share best practices and system learning to influence future service development. Person Specification A - Application form I – Interview C – Certificate (original evidence) Qualifications and Experience Experience in health, social care, community development or voluntary sector roles (essential). A/I Experience supporting people affected by cancer or long-term conditions (desirable). A/I Training or experience in personalised care, inequalities or community engagement (desirable or willingness essential). A/I Experience Experience managing or leading a team. A/I Experience working with people affected by cancer, long-term conditions or experiencing health inequalities. A/I Experience developing partnerships with healthcare professionals and community organisations. A/I Experience facilitating focus groups, consultations or co-design work. A/I Experience delivering or supporting training. A/I Experience using data and insight to monitor, evaluate or shape a programme. A/I Knowledge Understanding of cancer inequalities and barriers faced by Black and ethnically diverse communities. A/I Knowledge of personalised care and cancer support pathways. A/I Understanding of safeguarding, confidentiality and data protection. A/I Knowledge of voluntary and community sector roles. A/I Skills and Competencies Strong report writing skills A/I Strong interpersonal and communication skills. A/I Ability to motivate, supervise and develop a team. A/I Skilled in facilitating groups and co-design work. A/I Strong organisational and time management skills. A/I Ability to use data for decision making and reporting. A/I Comfortable working independently and across multiple sites. A/I Ability to build long-term, trust-based partnerships. A/I Personal qualities Compassionate, culturally aware and committed to health equity. I Emotionally resilient and able to work under pressure. I Flexible, proactive and solution-focused. A/I Willing to work some evenings/weekends and travel across boroughs. A/I

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  • Credit Analyst
    Credit Analyst
    12 days ago
    Full-time
    London

    About the job Job Title: Credit Analyst Department: Credit and Risk Location: London, Paddington Office based Hybrid or Remote: Office based (full time) Type: Permanent Job Purpose This is a core role within Winyield’s credit and risk function, responsible for the assessment, monitoring, and governance of both consumer and business lending exposures. The Credit Analyst will play a central role in designing and operating disciplined underwriting processes, maintaining robust credit policies, and supporting the responsible scaling of Winyield’s lending activities. The role requires a strong understanding of UK consumer credit standards alongside experience assessing small business and SME credit risk. The Credit Analyst will work closely with senior management, operations, product, and technology teams to ensure credit decisions are consistent, well-documented, and embedded into scalable systems and controls. Key Responsibilities Credit Analysis and Underwriting • Assess the underwriting rules for consumer and business credit applications using financial, behavioural, and affordability data, • Perform affordability assessments, income verification, cash flow analysis, and stress testing in line with UK responsible lending standards, • Apply and continuously refine credit policies, decision frameworks, and eligibility criteria, • Produce clear, consistent, and well-documented credit rationales suitable for internal review, audit, and regulatory scrutiny Automation, Data, and AI-driven Underwriting • Support the design and implementation of automated underwriting workflows for consumer and business lending, • Work with product and technology teams to translate credit policies into system-based rules, decision engines, and AI-assisted models, • Help define controls, monitoring, and explainability requirements for automated and AI-supported credit decisions, • Review model outputs, exceptions, and overrides to ensure outcomes remain consistent with policy and risk appetite Investment memo and portfolio analysis • Build investment memo on new portfolio and origination opportunities with the required loan tape analysis Policies, Governance, and Controls • Maintain and update credit policies, underwriting manuals, and procedural documentation, • Ensure strong governance around credit decisioning, overrides, and exceptions, • Support internal reviews, audits, and information requests with accurate and complete documentation, • Contribute to the ongoing development of compliant customer journeys from a credit risk perspective Cross-functional Collaboration • Work closely with operations and collections teams to ensure alignment between underwriting assumptions and real-world outcomes, • Support senior management with credit reporting, portfolio analysis, and ad-hoc risk assessments, • Contribute to strategic initiatives aimed at scaling WinYield’s lending platform in a controlled and compliant manner Requirements • Minimum 4 years of experience in credit analysis, underwriting, or credit risk, • Demonstrable experience with UK consumer and SME credit, including affordability assessments and responsible lending principles, • Strong understanding of credit governance, documentation standards, and auditability, • Exposure to automated or AI-supported underwriting systems, • Strong analytical skills and attention to detail, with sound credit judgement, • Comfortable working with data, codes, and internal risk dashboards What We Offer • Competitive compensation, • The opportunity to play a foundational role in a fast growing lending fintech company., • Close collaboration with senior leadership and influence over credit strategy and framework design, • A high-accountability, intellectually rigorous working environment based in London How to Apply Submit an application by 31 January 2026

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  • Sales Administrator
    Sales Administrator
    15 days ago
    £25000 yearly
    Full-time
    Bethnal Green, London

    Based at our Head Office in Stepney Green City Rooms is London’s most prominent provider of co-living accommodation. For over 15 years, we have provided thousands upon thousands of Londoners with the very best value accommodation that the city has to offer. Today, we are looking to build on our customer centric approach, with the addition of a dynamic and skilled Administrator to provide on-going support to our high energy sales team. Key responsibilities: · Registering brand new enquiries, both over the telephone and electronically. · Uploading Marketing details to our website and lettings platforms · Accurately recording and processing new customer information. · Assisting our customers to promptly and successfully submit their reference information, both over the telephone and electronically · Assisting the department with the collection, management and analysis of key sales performance data. · Assisting the sales team to successfully manage the key inventory. · Assisting the sales team with the update, smooth running and organisation of their diaries About you: · You have a love of people and your professionalism, organisation and commitment to providing the best possible service to our clients will mirror and enhance our existing core values. · You have Excellent English and are a brilliant communicator · A team player but also has the ability to work under your own initiative. We offer our employee the following benefits*: · Fresh fruit available each day · Staff Benefits Discounts scheme · Enhanced annual leave with length of service · 1 day off on your birthday & 1 wellness day off per year Qualifications Strong communication skills in English Proficiency in Microsoft Office Suite, particularly Excel Experience in sales support or administration Ability to manage multiple tasks and prioritize effectively Attention to detail and strong organizational skills Familiarity with CRM software and sales tracking tools Job Types: Full-time, Permanent Pay: From £25,000.00 per year Additional pay: Bonus scheme Benefits: Company pension Employee discount Schedule: Monday to Friday Weekend availability

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  • Business Consultant
    Business Consultant
    1 month ago
    £51000–£53000 yearly
    Full-time
    London

    Company Overview Diancang UK specialises in Sino-UK trade and consultancy services, helping businesses navigate market opportunities between the UK and China. With deep expertise drawn from successful e-commerce experience in China, we support clients with market research, strategic advice, and practical guidance on expanding into new international markets. Our services include professional market research in the UK, strategic planning for China market entry, and support with business registration, development, and cross-cultural communication. Job Description An exciting opportunity has arisen for an experienced Business Consultant to support clients expanding into global markets. The ideal candidate will bring sharp analytical skills, sound commercial judgement, and the ability to identify challenges, shape effective strategies, and present recommendations with clarity and impact. Key Responsibilities • Assess client needs, organisational objectives, and strategic requirements to define project goals. 2. Identify issues related to business strategy, organisational processes, and market positioning in both UK and Chinese contexts., 3. Select appropriate research methodologies, collect and analyse data, and interpret insights to inform recommendations., 4. Develop and implement pragmatic solutions tailored to client goals, supported by robust research and evidence., 5. Advise clients — including commercial enterprises and organisations — on strategic options, market entry, and business growth., 6. Run workshops and present findings to clients, industry groups, or at conferences and seminars., 7. Represent Diancang UK professionally in external forums and contribute to thought leadership. Qualifications & Experience At least 7 years’ experience in consultancy, business strategy, or a related advisory role, with a track record of delivering client-facing projects. Proven ability to manage complex engagements, interpret research, and present strategic recommendations to senior stakeholders. Strong analytical and problem-solving skills, with experience designing and executing research methodologies. Excellent communication skills, both written and verbal, with confidence in delivering presentations and workshops. Experience working with international clients or cross-border projects is highly desirable. Chinese language skills (mandarin or cantonese) considered a strong advantage. A degree in business, economics, management, or a related discipline is preferred.

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  • Charity Box Officer
    Charity Box Officer
    1 month ago
    £26000–£27500 yearly
    Full-time
    Stanmore

    Location: London (in the field) + Stanmore Office Hours: Full-time (40 h/w) Salary: £27,500 p/a (depending on experience) About us: Noor Relief Fund (NRF) is a humanitarian aid charity on a mission to break the cycle of poverty. Our mission of change is currently focused on Iraq, Pakistan, Yemen, East Africa and the UK. Our office in London consists of a busy and energetic team who enjoy our friendly environment. NRF concentrates on orphan sponsorship, water aid, food security, medical help, education and long-term projects. We have several campaigns running throughout the year. Job purpose: In this role, you will be responsible for managing the distribution and collection of Charity Boxes, coordinating the collection of donated items, and supporting fundraising events aimed at raising awareness of the Noor Relief Fund's mission. You will work closely with shopkeepers to encourage them to host our Charity Boxes, and represent Noor Relief Fund at various events by managing our stall and engaging with the community to promote our cause. Additionally, you will be responsible for responding to donor inquiries, building positive relationships with supporters, and maintaining accurate records and reports of all activities, donations, and items received. This is an excellent opportunity to become part of a passionate and dynamic team committed to making a meaningful impact. Strong interpersonal and sales skills are essential, along with a genuine enthusiasm for supporting charitable initiatives. Main Responsibilities: Person Specification: It is essential that the post holder shows a good understanding and sympathy with Islamic values and principles as well as commitment to the Noor Relief Fund vision, mission and core values. · Someone who loves to exceed targets and sales with outreach activities; · UK full driving licence (or equivalent) with access to own vehicle; · Excellent English verbal and written communication skills (flexible, clear, concise) and an ability to promote NRF in the community; Other languages advantageous (Arabic) · Excellent planning and project management skills; · Experienced in prioritising workload meet deadlines; · Positive and creative approach to developing new ideas; · Skilled in using Word, Excel, Outlook, etc…; · Skilled networking abilities to create opportunities that may lead to donations; · Ability to work within a busy environment, with no supervision; · Ability to plan and manage own time and workload; · Ability to maintain confidentiality at all times; · A flexible and strategic mindset; · Willingness to undergo a DBS check. How to apply: Send your CV and a cover letter to apply. Job Types: Full-time, Permanent Pay: £27,500.00 per year Licence/Certification: Drivers Licence and Own Car (required) Work Location: On the road

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  • Management Consultant and Business Analyst
    Management Consultant and Business Analyst
    1 month ago
    Full-time
    London

    🌟 We’re Hiring! Join Our Team at M&N Education 🌟 📍 London, United Kingdom 💼 Full-Time 🔍 Position: Management Consultant and Business Analyst • Location: London, United Kingdom, • Department: Business Management, • Employment Type: Full-Time, • Salary: Negotiable (Based on experience), • Sponsorship Available Role Overview The Management Consultant and Business Analyst will provide strategic, analytical, and advisory support to senior management to drive business growth, operational efficiency, and regulatory compliance within the education consultancy sector. The role focuses on business analysis, performance optimisation, market expansion strategy, and data-driven decision-making, in accordance with UK regulatory and ethical standards. 💡 What You’ll Do: • Advise senior management on business expansion strategies, including new markets, partnerships with universities, colleges, and training providers., • Develop strategic plans to improve student recruitment pipelines, conversion rates, and service delivery efficiency., • Creating in-depth reports and presentations on a business’s processes and suggest solutions to business challenges., • Reviews and recommend improvements in admissions support, visa guidance workflows and client management systems., • Support in policy development, risk management, and compliance planning related to education consultancy operations., • Design and manage business analytics frameworks to track KPIs such as student enquiries, application success rates, offer-to-enrolment ratios, and partner performance., • Assessing the current market landscape and evaluate the potential new market opportunities for the business., • Collect data from CRM systems, marketing platforms, and internal databases to analyse the company’s month to month growth also to provide forecasts and expectations., • Produce advanced analytical reports, dashboards, and forecasts to support strategic decisions., • Evaluate the financial and operational impact of marketing campaigns and recruitment strategies., • Maintain a fruitful relationship with institutional partners such as Universities, Colleges, Training providers to keep the contract secured, • Maintain relationship with current B2B partners in order to increase the application volume, also develop new B2B partners onboarding, • Developing new ideas to increase direct recruitment by using Digital platform such as Meta and Google Ad, • Keep the company up to date with in the educational regulations institutional policies and ethical practice., • Plan and represent the company in Institutional Fair, Webinar, Event and Open days, • Implement a smooth admission process within a chain of communication to maximize the conversion.

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  • Credit Controller
    Credit Controller
    2 months 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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