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  • Credit Controller
    Credit Controller
    hace 6 días
    £38000–£42000 anual
    Jornada completa
    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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  • Manager of Client Care
    Manager of Client Care
    hace 7 días
    Jornada completa
    London

    WHO ARE YOU? After years of success in Canada, UROSPOT is expanding into the UK. As the Manager of Client Care you truly change lives. Using your nursing / healthcare background, you will lead our client experience team and ensure the clients who walk through our door, frustrated by their pelvic health challenges, receive world class care that restores their freedom, confidence, and trust in their body again. You ensure clients leave feeling educated and empowered about their health and wellness. At UROSPOT you’ll become a subject matter expert on all things pelvic health. You will lead our pelvic health done differently care model that incorporates education, health coaching and our non-invasive, disruptive technology that restores the fitness of the pelvic floor musculature to help improve quality of life for those struggling with bladder leaks, urgency, frequency, prolapse, GSM etc. No more changing pads and nappies as a nurse / healthcare professional. Our clients stay fully clothed throughout their journey at UROSPOT. You will build relationships with our clients by leading all client consultations, developing an individual care plan for each person and inspiring them to prioritize their health. Your impeccable listening skills, empathetic understanding and contagious passion will help ensure our clients feel heard, understood and are provided the hope they so deserve. You are a natural storyteller and leader. Your warmth, competence and professional appearance immediately build trust; making people feel comfortable. Your attention to detail will ensure a meaningful brand experience every time you interact with a client. You are excited to lead a small team of like-minded people passionate about improving women’s health. You are a confident coach and enjoy helping others succeed as well as inspiring a team around a common goal. Passion with purpose is what you’ve been craving. Setting a goal and crushing it lights you up inside. Leading a small team excites you. A regular Monday-Friday schedule feels like a dream come true. We can’t wait to meet you. JOB DUTIES: • As a passionate brand ambassador, take lead role in client consultations. Review intake forms in advance of consultation. Listen empathetically and question brilliantly to build an individualized care plan for each client. In a safe and effective manner provide trial treatment and coordinate their treatment protocol with the help of our Client Care Administrator. You are the ultimate owner of client experience., • Responsible for conversion from interest through to treatment., • Fully understand how to perform every role in the clinic operations. You are able to step in wherever necessary when staffing shortages occur or to cover breaks., • Correct performance in each role if process is not being adhered to., • Handle all customer complaints and comments in a professional, timely and mindful manner knowing “clients at our core” is a core value at UROSPOT., • Respect and protect the rights of clients, including but not limited to their right to independence, autonomy, and self-determination; their right to choose and practice individual values, beliefs, religion, and culture; their right to privacy and dignity; and their right to live free from retaliation, discrimination, and abuse., • Maintain and model appropriate personal boundaries with clients, and refrain from involvement with client personal affairs or other business that may constitute a conflict of interest., • Ensure that all direct reports delivering treatment comply with company policies, procedures, and ethical standards. Ensure clients receive exceptional care during their treatment protocol., • Ensure correct reporting procedures for all client sessions are entered completely and efficiently., • Ensure that team members adhere to all appearance standards, personal hygiene and safety procedures and guidelines., • Ensure that safe work practices are followed., • Contribute ideas and oversee and assist with the planning and implementation enhancements that make our client experience better., • Analyze departmental operations and identify areas requiring improvement., • Submit any required reports on time and complete., • Communicate effectively and use a professional approach with all team members, managers, supervisors, clients, and stakeholders., • Knowledge of external regulatory bodies governing the organization. This includes partnering with clinic owner to ensure policies and procedures adhere to CQC expectations., • Assist the owner in the hiring of staff., • Maintain current credentials as required for employment. JOB REQUIREMENTS: • Registered healthcare professional (e.g. RN / BScN or other healthcare professional); current certificate of competency from the appropriate regulating body and must be in good standing (e.g. NMC), • Completion of an Enhanced DBS check., • Further education / interest in women’s health, pelvic health or other related specialism., • Familiarity with CQC and keen to ensure the UROSPOT services adhere to all policies and procedures., • Sales and client management experience is an asset., • You are a storyteller, a planner, a lover of being organized., • Passionate about helping people., • An innate leader – you have led teams before and relish this opportunity., • Able to set expectations, delegate and monitor progress of all direct reports., • Effective leadership skills, with a strong focus on mentoring and motivation of employees., • A well-defined sense of diplomacy, including solid negotiation, conflict resolution, and people management skills., • You believe in women's empowerment and are eager to be a part of something with a true purpose that will change women's lives for the better. WORK CONDITIONS: • Work environment is one where you bring clients joy, freedom and confidence in a beautiful setting., • Currently a Monday-Friday operation during the day. Possibility of Saturdays in the future with expansion., • Interaction with clients, employees and owners., • Occasional help at marketing events. Acknowledgement and Agreement UROSPOT is an equal opportunity employer and strives to ensure that its hiring process meets the needs of all persons. As such, UROSPOT will provide reasonable accommodation for any applicant, as requested during the hiring process.

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  • Legal Assistant
    Legal Assistant
    hace 2 meses
    Jornada completa
    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

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