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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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  • Finance Manager
    Finance Manager
    17 days ago
    £50000–£60000 yearly
    Full-time
    London

    Job Title: Finance Manager Salary: £55,000 per annum Contract Type: Full-time, permanent Reporting to: Finance Director Location: Knightsbridge, London (office-based, Monday–Friday, 9am–5pm) Role Overview We’re looking for a Finance Manager to lead the day-to-day operations of our finance team. Reporting to the Finance Director and managing two finance staff, this is a hands-on role covering all core accounting processes, month-end reporting, and financial oversight. You'll ensure the accuracy of financial records, support planning and budgeting, and help maintain the smooth running of the finance function. This role suits someone confident in both the technical side of accounting and team management, with the ability to work independently in a small, fast-paced team. Key Responsibilities • Manage daily finance operations including purchase and sales ledgers, bank reconciliations, payroll journals, and staff expenses, • Oversee and support two finance team members, ensuring timely and accurate work across all transactional areas, • Prepare and post month-end journals; complete balance sheet reconciliations, • Monitor cash flow and working capital, and produce regular cash forecasts, • Produce monthly management accounts with supporting analysis for senior leadership, • Support annual budgeting and forecasting processes, • Assist with year-end accounts preparation and work with external auditors as needed, • Ensure compliance with accounting standards and company policies, including VAT and other statutory obligations, • Maintain and improve finance systems and processes, including training the team as needed, • Provide ad hoc financial analysis and reporting for the Finance Director and other senior stakeholders Skills and Experience • Qualified or part-qualified accountant (ACA, ACCA, CIMA), or qualified by experience, • Minimum 5 years’ experience in finance or accounting, including some team management, • Strong understanding of UK GAAP and VAT, • Proficient in Excel and familiar with common finance systems, • Comfortable working in a small, hands-on team with a varied workload, • Clear communicator with a focus on accuracy and meeting deadlines WHO WE ARE Lux Group is responsible for revolutionising the world of kitchen design and transforming this humble room into the prestigious focal point of the home, the pioneering spirit of our founders remains at the heart of every Lux Group creation today. Home to our workshop for more than four decades, it is here that every piece of Lux Group furniture is crafted by hand by a team of expert artisans and bespoke designers. Within the workshop, traditional joinery goes hand in hand with state-of-the-art machinery, and generations of skill and passion infuse every creation, with each finished piece bearing the name of the craftsman responsible for making it. If you are tenacious and hungry for success then we want to hear from you!

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  • BUSINESS & FINANCIAL PROJECT MANAGEMENT PROFESSIONAL
    BUSINESS & FINANCIAL PROJECT MANAGEMENT PROFESSIONAL
    17 days ago
    Full-time
    Norbury, London

    Employer: M&N Brothers Ltd 📌 Work Location: 1513–1515 London Road, Norbury, London, SW16 4AE 🕒 Employment Type: Full-Time, Permanent ⏰ Working Hours: Monday to Friday, 9:00 AM – 5:00 PM (40 hours per week) 💷 Salary: £42,000 per annum M&N Brothers Ltd is a well-established property management and business services company operating across London. We specialise in property operations, financial planning, and strategic project development. As part of our expansion, we are looking for a highly skilled Business and Financial Project Management Professional to support our executive operations and lead high-value business initiatives. Role Overview The successful candidate will manage complex business and financial projects, monitor organisational performance, and provide strategic support to senior management. This role combines financial expertise, project leadership, and operational analysis to drive company growth. Key Duties & Responsibilities • Lead business and financial projects from planning through to completion., • Conduct financial analysis, risk assessments, and performance evaluations to support decision-making., • Prepare business cases, project plans, feasibility studies, and financial forecasts., • Develop and monitor budgets, financial models, KPIs, and operational reports., • Coordinate with internal teams, clients, external partners, and stakeholders to deliver project objectives., • Identify operational inefficiencies and implement process improvements., • Ensure compliance with UK financial regulations, reporting standards, and internal policies., • Prepare high-quality project documentation, presentations, and executive reports., • Support long-term business planning, investment analysis, and portfolio management., • Contribute to strategic initiatives that improve company growth and operational performance. Required Skills, Experience & Qualifications • Bachelor’s degree (or equivalent) in Business, Finance, Project Management, Economics, or related field., • Minimum 3 years’ experience in business project management, financial management, or strategic planning., • Proven ability to manage complex projects and meet deadlines., • Strong analytical skills with expertise in financial analysis, budgeting, and forecasting., • Excellent communication, presentation, and stakeholder management skills., • Advanced knowledge of MS Office, especially Excel and PowerPoint., • Ability to work independently, manage workloads efficiently, and deliver accurate results. Why Work With Us • Highly competitive salary, • Professional and supportive work culture, • Opportunities for long-term career growth, • Structured working hours and a stable employment environment

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  • Procurement Manager
    Procurement Manager
    1 month ago
    Full-time
    Barbican, London

    About the job The Ascott Limited UK Corporate Office is seeking a qualified, experienced and capable Procurement Manager to become part of our Procurement team, supporting our properties. Reporting to the Procurement Director, being responsible for the purchase of goods and services to ensure that the Group's European lodging sites operational needs are met. As the Procurement Manager, you will be responsible for: Purchasing goods, materials, components and/or services in line with specified cost, quality and delivery targets Identifying and evaluating potential suppliers, developing strategies, and negotiating contracts to secure the best possible prices and terms Creating long-term plans for specific categories of goods and services Preparing reports on procurement activities, analysing data to identify trend Collaborating with various departments within our properties to understand their procurement needs and ensure those needs are met Sourcing environmentally friendly products and services Ensuring contracts are properly managed and adhered to, including renewals and performance monitoring Managing inventory levels to optimize stock turnover and minimize holding costs Staying informed about market trends, new products, and potential suppliers to identify opportunities for improvement and innovation Conducting cost analysis, setting benchmarks, and identifying opportunities to reduce costs without compromising on quality Building and maintaining strong relationships with key suppliers, ensuring timely delivery of goods and services, and resolving any issues that may arise Assess tenders and quotations from potential suppliers Prepare required documents in line with final negotiations with selected suppliers and in line with organizational targets and requirements. To be successful in the role of Procurement Management, we require: Bachelor's degree in a related field (e.g., supply chain management, business administration and/or finance) Proven experience in Procurement and Strategic sourcing, preferably within the hospitality industry Strong negotiation, communication, and relationship management skills Proficiency in relevant software and tools, such as procurement systems and Microsoft Office Suite Excellent analytical and problem-solving skills Strong communication (written/spoken) English & French at business level Ability to work independently and as part of a team Minimum 5 years of experience of relevant working experience in purchasing Background and or experience within technical services purchasing (vendor management, contractor’s, hard services) Certification from Chartered Institute of Purchasing & Supply (CIPS) a plus Experience in integration activities and change management. This is your opportunity to be part of our team as a Procurement Manager. We focus on your professional and personal development, and we offer: Genuine career opportunities within our business Valuable on the job training, along with access to our digital online learning platform and numerous other learning and development opportunities A travel allowance for every day you work to contribute to your commuting cost A PERKBOX subscription with benefits, retail discounts and savings available from your first day Employee Assistance Programme Recruitment Referral Incentive Employee Recognition Awards Ceremony and company team parties Once you pass your probation, a special staff rate when staying in our European properties (If relocating) 30 days of relocation accommodation within one of our properties, whilst you find permanent lodging About Us At The Ascott Limited, we embrace diversity, equity, and inclusion, welcoming applicants of all backgrounds to create a supportive and thriving workplace where everyone can contribute their unique perspectives. A trusted hospitality company, Ascott’s presence extends across Asia Pacific, Central Asia, Europe, the Middle East, Africa, and the USA. Its diversified accommodation offerings span serviced residences, coliving properties, hotels and independent senior living apartments. Ascott's award-winning hospitality brands include Ascott, Citadines, lyf, Oakwood, Somerset, The Crest Collection, The Unlimited Collection, Fox, Harris, POP!, Preference, Quest, Vertu and Yello. Through Ascott Star Rewards (ASR), Ascott’s loyalty programme, members enjoy exclusive privileges and offers at participating properties. Required skills: Multilingual, Negotiating skills, Organisation Skills, Attention to Detail, Problem Solving Discussed at venue Department: Purchasing Language required: English. The company At The Ascott Limited, we believe that our guests can be anywhere in the world, and still feel right at home. With a suite of accommodation options that spans serviced apartments & hotels, coliving properties, as well as independent senior living apartments, our guests can count on us for that sense of comfort and familiarity, be it for a short stopover or a new space to call their home. A trusted hospitality company, Ascott’s presence extends across Asia Pacific, Central Asia, Europe, the Middle East, Africa, and the USA. Its diversified accommodation offerings span serviced residences, coliving properties, hotels and independent senior living apartments. Ascott's award-winning hospitality brands include Ascott, Citadines, lyf, Oakwood, Somerset, The Crest Collection, The Unlimited Collection, Fox, Harris, POP!, Preference, Quest, Vertu and Yello. Through Ascott Star Rewards (ASR), Ascott’s loyalty programme, members enjoy exclusive privileges and offers at participating properties. This year, Ascott marks 40 years in hospitality service. Growing from strength to strength, powering up through new alliances and transforming challenges into triumphs, Ascott is trailblazing tomorrow and charting a new future of growth. Hear from Ascott’s past and present leaders as they share about their experiences in this tribute video, having witnessed Ascott’s growth to become truly Unlimited.

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  • Business Development Manager
    Business Development Manager
    1 month ago
    £55200–£57000 yearly
    Full-time
    Borehamwood

    About Us Renuva Ltd is a London-based home renovation and construction company dedicated to transforming residential spaces through exceptional design, craftsmanship, and customer care. From kitchens and bathrooms to full home renovations, loft conversions, and extensions, we combine innovative design with technical excellence to deliver projects that go beyond renovation and redefine living. As a growing and ambitious company, we’re expanding our operations and client base across London and surrounding areas. We’re now seeking an experienced Business Development Manager to help shape our next phase of growth and strengthen our market presence within the home improvement and construction industry. About the Role We’re looking for a driven and strategic Business Development Manager who will take ownership of business growth initiatives, develop strong client relationships, and contribute to the company’s overall direction. The ideal candidate will have proven experience in business development and corporate management, ideally within the construction, property, or home renovation sectors, and a passion for delivering measurable results through smart strategy and client engagement. Key Responsibilities • Collaborate with senior management to define and expand the range of products and services offered., • Develop and execute effective business growth and sales strategies aligned with company goals., • Conduct market research, customer surveys, and competitor analysis to identify new opportunities., • Recruit, mentor, and train junior sales or marketing staff as needed., • Stay informed on industry trends, emerging technologies, and competitor activity., • Identify and pursue new business opportunities, partnerships, and B2B collaborations., • Prepare and present business proposals, sales forecasts, and marketing campaign plans., • Manage client relationships to ensure exceptional customer satisfaction and repeat business., • Participate in marketing, networking, and promotional events to represent Renuva., • Provide leadership and mentoring to junior staff or marketing assistants as required., • Work closely with management to enhance business processes across departments. Desirable Cross-Functional Experience Candidates with additional knowledge or qualifications in the following areas will have a strong advantage: Requirements • Proven track record as a Business Development Manager, Corporate Management, or Senior Sales/Marketing role., • Experience within construction, renovation, property, or related sectors preferred., • Excellent communication, negotiation, and relationship management skills., • Strong analytical and problem-solving ability., • Strategic thinker with a data-driven and results-focused mindset., • Capable of working independently and collaboratively., • Familiar with CRM software and business reporting tools., • Bachelor’s degree in Business, Marketing, or related discipline., • Must have the right to work in the UK. Benefits • Competitive annual salary (£55,200)., • Performance-based incentives and growth opportunities., • Collaborative, supportive working culture., • Opportunity to shape the future of a growing London-based brand., • Modern office in Borehamwood (North London), with hybrid flexibility for the right candidate. Why Join Renuva At Renuva, we believe that great spaces start with great people. Joining us means becoming part of a company that values innovation, transparency, and craftsmanship. You’ll work in an environment where your ideas are heard, your work is valued, and your professional growth is encouraged. This is an exciting opportunity to play a key role in our journey as we continue to expand and make a name as one of London’s trusted home renovation specialists. How to Apply If you’re a motivated, strategic, and results-oriented professional ready to take the next step in your career, we’d love to hear from you. Please apply with your CV and a short cover letter explaining how your skills can contribute to Renuva’s growth.

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  • Director of Business Developement
    Director of Business Developement
    2 months ago
    £35000–£40000 yearly
    Full-time
    Romford

    Position Summary We are looking for a results-driven and strategic Director of Business Development with a strong background in the payments industry and deep understanding of ISO operations. This role will be responsible for driving new business growth, leading partner relationships, and supporting internal teams in achieving key sales goals. Key Responsibilities Sales & Business Development: • Achieve a minimum of 25 live sales to qualify for bonuses (paid according to the bonus matrix)., • Meet the Q1 requirement of at least 50 live sales., • Introduce 10 new sellers per month using personal networks and tools like LinkedIn Sales Navigator., • Actively work on inactive sellers, including face-to-face meetings and compliance checks. Marketing & Lead Generation: • Increase engagement through social media platforms by developing campaigns, improving content strategies, and driving innovation., • Post a minimum of three campaigns weekly on platforms such as Instagram, Facebook, and LinkedIn., • Conduct market research, competitor and pricing analysis to identify opportunities., • Follow up on leads from social campaigns and help convert them into live sales. Internal Team Collaboration: • Provide strategic input and work methods to improve internal team efficiency., • Explore and introduce software tools or innovations to enhance application and finance processes., • Assist in training team members in areas like SEO, content marketing, and platform reviews (e.g., blogs, Google reviews, Trustpilot)., • Lead weekly meetings with senior management (e.g., Ben) to review progress and action plans., • Regularly engage with the internal sales team to boost their performance and align with targets. Compliance & Operations: • Ensure seller compliance using internal seller information files., • Provide guidance on debt collection processes and manage recovery efforts where needed., • Advise on data utilization strategies – helping the team make better use of existing data. Requirements • 5+ years in business development or strategic sales within the payments industry., • Strong understanding of ISO models, merchant acquiring, and card payment systems., • Proven experience managing teams, creating sales strategies, and delivering results., • Familiarity with tools like LinkedIn Sales Navigator and CRM systems., • Excellent communication, negotiation, and leadership skills., • Solid grasp of digital marketing, social media, and content marketing best practices., • Bachelor's degree in Business, Finance, Marketing, or a related field (MBA preferred).

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