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  • Credit Controller
    Credit Controller
    17 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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  • Receptionist
    Receptionist
    17 days ago
    £13–£18 hourly
    Full-time
    Wembley

    Job Title: Concierge - Student Accommodation Location: Wembley Reports To: Accommodation Manager / Operations Manager Position Type: Full-time / Part-time (Available) About Us: Here in our establishments we provide a vibrant, welcoming community for students from around the world. Our mission is to offer a safe, comfortable, and engaging living experience that supports academic success, personal growth, and social connection. We are seeking a dynamic and personable individual to join our team as a Concierge, responsible for delivering exceptional service and creating a positive environment for our residents. Key Responsibilities: • Greet and assist residents and visitors in a friendly and professional manner., • Provide information on local amenities, events, transportation, and services available to students., • Address and resolve resident inquiries, complaints, and maintenance requests in a timely manner., • Manage booking and check-in/check-out processes for visitors or temporary residents., • Maintain accurate records of resident requests and communication., • Assist in organizing events, activities, and social programs to foster community engagement., • Ensure the building is well-maintained and report any maintenance or safety issues., • Enforce the accommodation’s policies and procedures while maintaining a positive atmosphere., • Provide emergency assistance when needed, ensuring student safety and well-being., • Monitor and secure the premises, maintaining a high standard of security and safety for all residents., • Perform general administrative tasks as needed, including answering phones, managing emails, and coordinating with the management team.

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  • Art & Design Teacher (Part-time)
    Art & Design Teacher (Part-time)
    1 month ago
    £330–£550 monthly
    Part-time
    London

    Pay: £26,400.00 per year Job Description: Art and Design Teacher (Part-Time) • Hours: 0.15–0.25 FTE (6–10 hours per week), • Salary: £330–£550 per month, • Location: 3–5 hours in-school (various locations in West London, North London) and remaining hours off-site, • Contract: Term-Based (Autumn Term, Spring Term & Summer Term) About IDEA Design Hub CIC IDEA Design Hub CIC is a creative education organisation dedicated to making design learning accessible, joyful, and empowering for all children. We deliver inspiring art and design programmes for children aged 4–14 through after-school clubs, community projects, and holiday camps. Our mission is to nurture creativity, confidence, and design-thinking skills that help children thrive in learning and in life. IDEA currently partners with 25+ primary schools across London, working closely with schools and local boroughs to deliver a wide range of creative clubs as part of the Holiday Activities and Food (HAF) Programmes in Bromley, Kingston, and Wandsworth. Overview We are seeking passionate and imaginative Art and Design Teachers to join our creative education team. The ideal candidate will be enthusiastic about both traditional and digital art, with the ability to inspire young learners to explore, invent, and express themselves through design. You’ll work collaboratively with our team to develop and deliver exciting curricula across our signature creative clubs, including: • Little Architect Club, • Little Fashion Designer Club, • Comic Club, • Manga Club, • Digital Art Club, • Video Game Design Club, • Video Animation Club, • STEM Club, • Mini Artist Club This role is perfect for art and design students or early-career educators looking for meaningful, hands-on teaching experience in creative education. Key Responsibilities • Design and deliver fun, engaging, and educational art and design sessions tailored to different age groups and abilities., • Teach a variety of creative techniques — from drawing and sculpture to digital design and model making., • Support children in developing artistic skills, confidence, and creative problem-solving., • Assess and celebrate student progress through projects, exhibitions, and participation., • Create a welcoming, inspiring, and inclusive learning environment., • Collaborate with other IDEA educators to design new workshops and cross-curricular projects., • Provide positive, constructive feedback that nurtures each child’s creativity and growth. Skills and Attributes • Strong knowledge of a range of art, design, and digital media techniques., • Excellent communication and classroom engagement skills., • Ability to inspire curiosity and creativity in young learners., • Patience, adaptability, and an open, supportive teaching approach., • Strong organisational and time-management skills. Qualifications • A degree (or working towards one) in Fine Arts, Design, or Education (Art-focused) is preferred but not essential., • Experience working with children or in creative/educational environments is highly valued., • Ideal for university students or emerging practitioners in Art and Design seeking rewarding teaching experience. Hours and Commitment This role involves 6–10 hours per week, including approximately 3–5 hours of in-school teaching across partner schools and the remaining time for off-site curriculum planning and preparation. Why Join IDEA Design Hub CIC At IDEA, you’ll be part of a supportive and innovative community that believes in the power of creativity to build confidence and spark imagination. You’ll have the opportunity to: • Develop your teaching and creative leadership skills., • Work across diverse art and design disciplines., • Contribute to meaningful, community-based creative education., • Inspire the next generation of designers, makers, and innovators. Join Us If you’re passionate about art, design, and inspiring young minds — we’d love to hear from you. Help us nurture creativity, imagination, and joy through design education that makes a difference. Apply now to join IDEA Design Hub CIC’s growing community of creative educators. Job Type: Part-time Benefits: Flexitime Work Location: Hybrid remote in London N10 1NR Expected start date: 01/12/2025

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