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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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  • Bartender
    Bartender
    1 month ago
    £13 hourly
    Part-time
    Whitton, Twickenham

    Join our team as a Bartender at the Veranda Cafe, where we strive to create an environment of relaxation and joy for both our customers and staff. As a Bartender, you will play a crucial role in crafting delightful experiences for our guests with expertly mixed drinks and friendly service. Veranda Afterhours will start every day at 17:00 so every shift will commence from this time. Responsibilities: • Mix and serve a variety of alcoholic and non-alcoholic beverages with precision and flair., • Maintain an organised and clean bar area, ensuring all supplies are stocked and ready for service., • Take accurate drink orders and offer recommendations to enhance customer satisfaction., • Operate the cash register for drink sales, ensuring correct transactions and change handling., • Engage warmly with customers, creating a welcoming and friendly atmosphere., • Follow all health and safety protocols to ensure a safe environment for both staff and patrons. Requirements: • Previous experience in a bartending role is preferred but not essential; training will be provided., • Strong customer service skills and a passion for creating positive guest interactions., • Ability to work efficiently during peak hours while maintaining a calm demeanor., • Flexibility to work various shifts, including evenings and weekends. Become a part of our Veranda Family, where your contributions will be valued, and you'll have the opportunity to make a positive impact on our guests' experiences. We offer a supportive and dynamic work environment where you can develop your skills and enjoy being part of a close-knit team.

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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.

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    No experience
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  • Barista
    Barista
    1 month ago
    £12 hourly
    Part-time
    Whitton, Twickenham

    We are seeking a friendly and efficient Barista to join our vibrant team. The ideal candidate will be passionate about delivering excellent customer service and creating high-quality beverages. This role offers an opportunity to become a member of a Family whose goal is to create an environment for every type of person. Whether you are a student or an experienced candidate this position is available for anyone willing to make an impact on people's day. This is our contribution to society. The position is paid and suitable for individuals eager to work in a dynamic setting where attention to detail and teamwork are essential. Your smile will always make others smile. Together, lets create a space of freedom and happiness, even if its momentary for some! Responsibilities Prepare and serve a variety of hot and cold beverages, including specialised coffee drinks, teas, and smoothies Ensure all food safety standards are maintained at all times during food and drink preparation Greet customers warmly, taking their orders accurately and efficiently Handle cash register operations, including processing payments and giving correct change Maintain cleanliness of the counter area, equipment, and utensils throughout shifts Restock supplies as needed to ensure smooth service during busy periods Provide excellent customer service by engaging with customers, answering queries, and offering recommendations Follow health and safety procedures diligently to uphold hygiene standards in the workspace Be dedicated to making an impact on someone's day. Whether thats making them smile, have a positive start to their day or making them feel like we have a place for them to truly relax. Be an active member of a team which will be like a Family - we will make sure you feel happy working and coming to work. Requirements Previous experience as a barista or in a similar serving role is preferred but not essential; training will be provided for the right candidate Knowledge of food safety regulations and best practices in food handling Ability to calculate numbers accurately for transactions and stock management Strong organisational skills with effective time management to handle peak periods efficiently Excellent communication skills with a friendly, approachable manner Ability to work well under pressure in a fast-paced environment Flexibility to work varied shifts, including weekends if required This role offers an engaging environment where you can enhance your skills in food preparation, customer service, and time management while contributing positively to our team. Job Types: Part-time, Permanent Benefits: Employee discount Sick pay Store discount Ability to commute/relocate: Twickenham TW2 7LB: reliably commute or plan to relocate before starting work (required) Language: English Fluently (required) Work authorisation: United Kingdom (required) Work Location: In person

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