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  • Business sales executive (Property Services)
    Business sales executive (Property Services)
    1 month ago
    £35000–£42000 yearly
    Full-time
    Raynes Park, London

    Job Overview – Business Sales Executive (Property service) We are recruiting a proactive and commercially minded Business Sales Executive to support the company’s business development and client relationship management activities within the UK residential property market, with a particular focus on serving Chinese-speaking client groups (including landlords and tenants). This role will play an important part in the company’s property services operations by identifying client needs, promoting company services, and supporting the achievement of sustainable business growth through a consultative, relationship-oriented sales approach. Key Responsibilities • Communicate with existing and potential clients, including Chinese-speaking clients, landlords, and tenants, to understand their property-related needs and provide appropriate service recommendations., • Support business development activities and assist in identifying new sales opportunities., • Assist in establishing and maintaining long-term relationships with landlords, developers, and key clients, ensuring high-quality customer service and ongoing follow-up., • Act as the day-to-day point of contact for designated clients, providing timely responses and basic advisory support, and assisting with communication regarding service quotations, payment arrangements, and service confirmation matters., • Work closely with internal teams to ensure smooth information flow and efficient service delivery., • Participate in property viewings and project communications as required, supporting client decision-making and service confirmation processes., • Accurately record client information, communication records, quotations, and sales activity information in the CRM system to ensure data completeness and traceability., • Assist in preparing sales activity reports, client summaries, and sales pipeline updates for management reference., • Support marketing and promotional activities targeted at Chinese-speaking clients. Candidate Requirements • Strong interpersonal and cross-cultural communication skills, with the ability to establish and maintain professional and stable client relationships., • An interest in the property services sector, with a solution-oriented working approach., • Ability to manage multiple client enquiries and account matters in an organised manner, with good time management and organisational skills., • Previous experience in sales support, customer service, account coordination, or business development roles is preferred; experience in property or real estate-related roles is an advantage., • Understanding of the UK residential property market, or a strong willingness and ability to learn lettings processes, landlord-tenant relationships, and related service content., • Proficiency in using CRM systems and Microsoft Office applications., • Bachelor’s degree or above; discipline not restricted (business, management, finance, marketing, or related fields preferred)., • Fluency in spoken and written Mandarin, with good working proficiency in English; Cantonese language skills are an advantage but not essential.

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  • Credit Controller
    Credit Controller
    1 month 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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