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  • Credit Controller
    Credit Controller
    5 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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  • Care Manager
    Care Manager
    9 days ago
    £40400 yearly
    Full-time
    Hayes

    Job Overview: We are seeking an experienced and dedicated Care Manager to oversee and coordinate our residential, day, and domiciliary care services. The successful candidate will ensure that our services meet the highest standards of care, comply with regulatory requirements, and align with our organization's values and objectives. Key Responsibilities: Service Management: 1. Oversee the daily operations of residential, day, and domiciliary care services., 2. Ensure the delivery of high-quality, person-centered care that meets individual client needs., 3. Develop and implement care plans in collaboration with clients, families, and healthcare professionals. Staff Leadership: 1. Recruit, train, and manage care staff, fostering a supportive and effective team environment., 2. Conduct regular staff evaluations and provide ongoing professional development opportunities. Compliance and Quality Assurance: 1. Ensure services comply with all relevant legislation, regulations, and standards., 2. Monitor and evaluate service delivery, implementing improvements as necessary. Financial Oversight: 1. Manage budgets effectively, ensuring resources are used efficiently., 2. Monitor financial performance and implement cost-control measures. Stakeholder Engagement: 1. Build and maintain positive relationships with clients, families, staff, and external agencies., 2. Represent CareX Group in meetings with regulatory bodies and other stakeholders. Qualifications and Experience: 1. Proven experience in a managerial role within the care sector., 2. Relevant qualifications in health and social care (e.g., NVQ Level 5 in Leadership and Management for Health and Social Care)., 3. Strong knowledge of care regulations and standards., 4. Excellent leadership, communication, and organizational skills., 5. Ability to manage budgets and resources effectively. What We Offer: 1. Competitive salary and benefits package., 2. Opportunities for professional development and career progression., 3. A supportive and collaborative working environment., 4. The chance to make a meaningful difference in the lives of our clients.

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  • Logistics Coordinator
    Logistics Coordinator
    10 days ago
    Full-time
    Perivale

    Looking for a fit person who can handle receiving deliveries and consolidating goods for shipment. For further details about the JD, see below: 1. Goods Handling:, 2. Receive and inspect goods at the designated location as per Cargoplug’s instructions., 3. Process and package goods for safe transportation, following company guidelines and industry standards., 4. Ensure timely and accurate delivery of packaged goods to Cargoplug personnel., 5. Freight Management:, 6. Supervise office operations related to freight management., 7. Oversee and coordinate all shipments from the U.K. to Nigeria., 8. Ensure all freight activities align with company policies and regulatory requirements., 9. Administrative Operations:, 10. Maintain accurate records of all shipments., 11. Use Cargoplug’s online portal to communicate effectively with clients regarding services., 12. Ensure proper documentation and compliance with both EU and Nigeria customs regulations., 13. Customer Service:, 14. Liaise with walk-in clients and respond to calls and WhatsApp messages regarding service inquiries and parcel drop-offs., 15. Provide exceptional customer support and ensure client satisfaction., 16. Marketing Support:, 17. Assist in marketing operations by capturing and sending photos and videos of hub activities to Cargoplug for social media and promotional use., 18. In-Store Shopping Assistance:, 19. Perform in-store shopping on behalf of Cargoplug clients as needed., 20. Ensure proper handling and documentation of client purchases., 21. Other Responsibilities:, 22. Perform all other duties related to logistics and freight operations as assigned., 23. Ensure a high level of operational efficiency and compliance with safety standards.

    No experience
    Easy apply
  • Legal Assistant
    Legal Assistant
    2 months ago
    Full-time
    London

    Key Responsibilities • Assist with the preparation, review, and management of legal documents, contracts, and agreements., • Assist and maintenance building compliance documents and renewals, • Maintain compliance registers and ensure timely submission of statutory and regulatory filings., • Conduct research on relevant legislation, regulations, and industry guidelines., • Support in the monitoring and implementation of compliance frameworks, policies, and procedures., • Assist in internal audits and compliance checks., • Maintain accurate and up-to-date records of licences, certifications, and company policies., • Liaise with external regulators, advisors, and legal counsel when required., • Help in investigating and reporting compliance breaches or incidents., • Support training initiatives on compliance, data protection, anti-money laundering (AML), and related areas., • Provide general administrative support to the legal and compliance team, including filing, diary management, and meeting coordination. Skills & Qualifications • Degree (or working towards) in Law, Business, Building Compliance, or related field preferred., • Previous experience in a legal, compliance, or regulatory environment desirable., • Strong knowledge of corporate governance, data protection, and regulatory frameworks is an advantage., • Excellent organisational and administrative skills with attention to detail., • Strong research and analytical ability., • Effective communication skills (written and verbal)., • Proficiency in Microsoft Office Suite and document management systems., • Ability to handle confidential information with integrity and discretion. Personal Attributes • Proactive, detail-oriented, and able to work independently., • Strong problem-solving and critical-thinking skills., • Ability to prioritise multiple tasks and meet deadlines., • Team player with a collaborative attitude. Salary & Benefits • Competitive salary

    Immediate start!
    No experience
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