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  • Credit Controller
    Credit Controller
    2 months 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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  • Business Development Executive
    Business Development Executive
    2 months ago
    £26000–£35000 yearly
    Full-time
    London

    Job Description: Business Development Executive – EMEA Market Full-Time, On-Site | London-based About Us We believe that decorative art is widely undervalued, undermined, and underappreciated. Art, in itself, is a channel of expression, a vessel that speaks stories and values. Decorative art is no different. Silian Art and Design, a leading art consultancy and provider, has been enriching and transforming spaces with bespoke art solutions since 1997. From concept creation to in-house production, we offer tailored services to top interior designers, hospitality brands and partners to realize their artistic vision. We are now seeking talented Business Development Executives to join our team in London to manage and expand our portfolio in the EMEA market. We are looking for professionals who are passionate about the interior design and decor industry and know how to connect with clients creatively and commercially. The Role This is a full-time on-site role at our beautiful gallery space in Chelsea, London. As a Business Development Executive, you will be responsible for identifying and growing opportunities and nurturing client relationships across the EMEA region. This role requires a proactive and curious mind, and a combination of strategic account management and a flair for the creative, as you'll be working with clients who are designers and visionaries in their fields. You will be collaborating with artists, the design team, and the production team, to deliver exceptional creative solutions to industry leading clients and projects. Key Responsibilities Drive Growth: • Proactively identify, research, and pursue new business opportunities within the EMEA region to expand our client base and drive revenue growth., • Participate in industry events and networking opportunities to build connections and generate leads. Account Management: • Build, maintain, and strengthen relationships with new and existing clients, ensuring that their needs are consistently met and exceeded., • Serve as the primary point of contact for assigned accounts, managing communication and fostering strong client relationships., • Develop a deep understanding of client goals and preferences to provide tailored solutions that reflect their unique visions and branding needs. Collaborate with Creative Teams: • Work closely with our in-house design and production teams to deliver high-quality, customized art solutions that align with client specifications and project timelines., • Oversee project timelines and budgets, keeping all stakeholders informed of progress and addressing any issues that arise., • Coordinate logistics for art installations, including working with artists, logistics companies, and contractors as needed., • Manage multiple projects simultaneously, ensuring deadlines are met and quality standards are upheld. Strategic Planning & Reporting: • Develop account growth strategies to achieve and surpass sales targets., • Provide regular reports on account status, sales activities, and market trends to inform business strategy., • Collaborate with management to create and implement targeted marketing strategies within the EMEA market. Requirements Experience: Minimum of 3 years of relevant account management, business development, or sales experience, ideally within a creative, art, or design-related industry. Language Skills: Proficiency in an additional EMEA language is major plus! Location: This is an on-site role based in our London gallery office. If you are passionate about art and design and eager to contribute to high-profile projects that transform spaces, we'd love to hear from you! Job Type: Full-time Experience: Business development: 3 years (preferred)

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  • Store Manager
    Store Manager
    2 months ago
    Full-time
    Southall

    Job Summary We are seeking a proactive and detail-oriented Store Manager to support our wholesale operations across mobile accessories and consumer electronics. This role is integral to our daily sales activity, customer relationship management, stock coordination, and optimisation of online marketplace performance. The successful candidate will have strong product knowledge of mobile accessories (such as chargers, cables, cases, screen protectors, audio devices, and smart gadgets) and a keen understanding of wholesale or B2B environments. Duties • Respond to B2B customer enquiries and provide accurate product information on mobile accessories and related electronic goods, • Maintain strong relationships with existing wholesale clients and assist in onboarding new accounts, • Process sales orders efficiently and coordinate with logistics/warehouse teams to ensure on-time delivery, • Assist in managing and updating stock levels, product listings, and catalogues for wholesale and online channels, • Support e-commerce operations across platforms such as eBay, Amazon, and Shopify, • Monitor fast-moving mobile accessories and contribute to purchasing decisions based on market trends, • Prepare weekly and monthly sales performance reports, • Resolve customer issues professionally to maintain high service standards, • Experience in a wholesale, distribution, or electronics environment, • Familiarity with Amazon Seller Central, eBay Seller Hub, and other marketplace tools, • Ability to analyse sales trends and assist in stock planning, • Candidates currently on Skilled Worker visas seeking a compliant employer transfer (under transitional Home Office rules) are welcome to apply, • Strong knowledge of mobile accessories and consumer electronics, • Excellent communication skills, both written and verbal, • Ability to work in a fast-paced wholesale environment, • Strong organisational and multitasking abilities, • Good IT proficiency (Microsoft Office, CRM systems, online marketplace tools)

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