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  • Credit Controller
    Credit Controller
    18 hours 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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  • Head Waiter / Waitress
    Head Waiter / Waitress
    6 days ago
    £17–£19 hourly
    Full-time
    Richmond

    Scott's Richmond, nestled in the picturesque Richmond-Upon-Thames, is an exquisite dining destination celebrated for its exceptional cuisine, warm ambiance, and commitment to providing an outstanding dining experience. As a beacon of culinary excellence, Scott's Richmond offers a menu featuring the finest dishes, set within an inviting atmosphere. Scott’s Richmond captures the splendour of the original concept in Mayfair and brings it to the stunning banks of the Thames in Richmond, just outside central London. We are currently seeking a dedicated and experienced Head Waiter to lead our front-of-house team. As the Head Waiter, you will play a central role in overseeing the dining experience, managing the waitstaff, and contributing to the overall success of our establishment. If you have a passion for hospitality, strong leadership skills, and a commitment to delivering exceptional service, we invite you to be a key influencer at our stunning restaurant. Key Responsibilities: • Oversee the day-to-day operations of the dining area, ensuring high service standards., • Supervise and mentor waitstaff, providing guidance to maintain a positive work environment., • Handle guest inquiries and concerns with professionalism and prompt resolution., • Collaborate with the management team to organize and execute private events and functions., • Assist in training and development programs for front-of-house staff., • Monitor reservation systems and seating arrangements to optimize guest flow., • Contribute to maintaining a positive and inclusive atmosphere for both guests and staff. Requirements: • Proven experience as a Head Waiter or in a similar front-of-house role within the hospitality industry., • Strong organizational, communication, and interpersonal skills., • Exceptional problem-solving abilities and a proactive approach to operational challenges., • Ability to work in a fast-paced environment and manage multiple tasks efficiently., • Familiarity with reservation systems and basic administrative tasks. Benefits: -30% Dining discount across our Caprice restaurants (excluding Scott’s Mayfair), The Ivy Collection & Bill’s -Access to early pay, savings tools & financial coaching via Wagestream -Enhanced maternity & paternity leave -Cycle to work scheme and refer-a-friend bonuses up to £1,000 -English language classes, length of service awards & employee recognition bonuses -Private medical and life insurance for senior leaders, life insurance for head office employees -Employee Assistance Programme -Plus, a structured pension scheme with employer contributions Join our team and be a part of a distinguished establishment committed to delivering unparalleled hospitality. We promote a working environment in which equal opportunity and diversity is recognised, valued, and encouraged.

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  • Hotel Manager £55000 - £60000 Yearly
    Hotel Manager £55000 - £60000 Yearly
    2 months ago
    £55000–£60000 yearly
    Full-time
    Richmond

    We are a small 60 Bedroom 4 star boutique hotel known for warm hospitality, exceptional service and unique design. Our guests value personalised experiences, comfort and attention to detail. We are looking for a hands on and dynamic Hotel Manager to lead our dedicated team through example and uphold our reputation for excellence. Position Overview As Hotel Manager you will oversee all day to day operations, ensuring a seamless guest experience, efficient team management and strong financial performance. You'll be hand on, leading by example and fostering a culture of hospitality, teamwork and continuous improvement. Key responsibilities • Over see all hotel departments including front office, housekeeping, F&B, maintenance and guest services., • Maintain the highest standards for guest satisfaction, cleanliness and service quality., • Manage budgets, forecasts and financial performance to achieve revenue and profit targets., • Recruit, train and motivate staff to deliver consistent and exceptional service, • Monitor occupancy rates, pricing strategies and market trends to maximise revenue in collaboration with sales/ marketing., • Ensure compliance with Health, Safety and licensing regulations., • Handle guest feedback and resolve issues promptly and professionally., • Maintain supplier and contractor relationships, overseeing purchasing and inventory control., • Report regularly to ownership on performance Requirements • Minimum 3-5 years of hotel management or senior supervisory experience , ideally in a 4 star or boutique environment, • Strong leadership and interpersonal skills with a hands on management style., • Excellent organisational, communication and problem solving abilities, • Sound knowledge of hotel systems (PMS, booking platforms), • A passion for guest service and attention to detail, • Flexibility to work evenings, weekends and holidays as required Preferred qualifications • Diploma or Degree in Hospitality Management or related field, • Experience with boutique or Independent hotel operations., • Knowledge of local tourism and events market Competitive salary £55 - 60K depending on experience

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