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Junior finance jobs in United Kingdom

  • Credit Controller
    Credit Controller
    25 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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  • Junior Sous Chef
    Junior Sous Chef
    2 months ago
    £38000 yearly
    Full-time
    London

    Production Junior Sous Chef / £38,000 /Italian / 7:00 am - 4:00 pm Term: Full-time W/H: 5 days Holidays: 28 Days off: 2 Junior Sous Chef of Production at Padella Are you passionate about food beyond your professional life? Do you love European cuisine, winemaking, and dining culture? Do you care deeply about where your produce comes from and its impact on the planet? If so, Padella wants you! The Padella Story: Founded by Jordan and Tim, Padella serves the best hand-rolled pasta with authentic, slow-cooked Italian sauces. Known for our fresh pasta made daily, Padella offers a fun, informal, and buzzing dining experience. You'll be trained and nurtured by our experienced team, with plenty of opportunities for growth. Best of the Rest: Balanced Work-Life: We prioritise a healthy work-life balance with a strict 45-hour workweek. Referral Bonus: Earn £500 for referring a friend who passes probation. Early Wage Access: Access up to 50% of your earnings before payday with Wagestream. Exclusive Discounts: Enjoy a 50% discount on food and drinks at Padella and a 60% discount at Trullo. Party Time: Join us for fabulous summer and Christmas staff parties. Professional Development: Gain wine qualifications up to WSET level. Exciting Trips: Travel with us to Italy and around the UK to meet our suppliers. Delicious Daily Meals: Start your day with an epic breakfast prepared by our ninja chefs. Training & Growth: Dive into Padella's rich training program to expand your culinary prowess and elevate your career. Fancy a New Bike? Join our cycle to work scheme, and we'll help you finance it. Chef requirements About you: Food Preparation & Production: You will be responsible for preparing and creating various products, including pasta dough, shaping and rolling, pasta filling, pastry, tarts and desserts, frangipane, batch food/sauces, and cocktails. Product Knowledge and The Creative Environment: Maintain and drive the highest team member product knowledge standards. Ensure chefs follow recipes 100% of the time for consistency. Training & Development: Create a culture of nurturing, monitoring, and celebrating success. Support the Head of Production in overseeing performance and progression processes, maintaining development paths for all team members, keeping them engaged and conducting regular appraisals. Recruitment: Oversee the recruitment and onboarding of all new team members in the Production Kitchen. I follow their progress and report to the Head of Production. Meetings & Training: Attend training sessions and staff meetings when necessary. Leadership: Lead and motivate the team positively, creating a culture that encourages high standards of professional behaviour. Acting Leadership: Take charge of the Production Kitchen when the Head of Production is away, ensuring consistency and maintaining high standards. Health and Safety: Ensure adherence to Food Safety and Health & Safety legislation. Monitor and act on feedback from In-House H&S Audits. Be fully aware of fire procedures and ensure the team is trained and aware of their responsibilities. Update and amend risk assessments for all kitchen equipment and train team members. Manage production equipment maintenance in line with the allocated budget.

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