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  • Credit Controller
    Credit Controller
    15 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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  • Group Finance Manager
    Group Finance Manager
    26 days ago
    £60000–£65000 yearly
    Full-time
    Marylebone, Westminster

    We are a fast-growing, creatively driven hospitality group with venues in London, Abu Dhabi and international expansion projects underway in Monaco, Abu Dhabi, and beyond. Rooted in our family-run origins, we value long-term commitment, collaboration, and vision. We're seeking an experienced yet hands-on Finance Manager to take ownership of the group's financial operations, help shape strategic decision-making, and grow into a future CFO role as the business continues to expand. This position is ideal for someone who thrives in an entrepreneurial environment, is eager to build systems and structures from within, and is motivated by purpose and growth rather than hierarchy. Key Responsibilities 1. Financial Management \& Oversight • Oversee day-to-day financial operations across all venues and entities within the group. , • Manage cash flow, forecasting, and group liquidity planning. , • Oversee accounts payable/receivable, payroll accuracy, and VAT submissions. , • Supervise management accounts and ensure monthly reporting is timely, accurate, and actionable. , • Consolidate and analyse financial performance across UK and international projects. 2. Strategic Planning \& Growth Support  • Support leadership in financial planning for new openings, refurbs, and international expansions (e.g., project budgets, funding timelines, ROI tracking). , • Build and manage business models, forecasts, and sensitivity analyses for new ventures. , • Partner with the Managing Director on long-term growth strategies and capital allocation. , • Identify efficiencies and cost-saving opportunities without compromising creative or operational integrity. , • Big picture financial planning for trajectory of the group. 3. Project \& Investment Oversight  • Track project spend versus budget and ensure accurate cashflow planning for fit-outs and openings. , • Liaise with contractors, suppliers, and landlords regarding financial matters, payments, and funding schedules. , • Support negotiations for lease contributions, rent-free periods, and financial agreements with partners or landlords. , • Maintain and evolve project tracking tools (spreadsheets, dashboards, cost trackers). 4. Systems, Processes \& Reporting • Review and improve accounting systems and internal controls as the group scales. , • Implement clear financial reporting structures between venue teams, central finance, and leadership. , • Ensure all statutory and compliance obligations (HMRC, Companies House, etc.) are met. , • Support the digital transformation of the finance function, from automation to cloud-based reporting / AI developments. 5. Leadership \& Team Development • Work closely with venue GMs, operations, and HR to embed financial awareness across teams. , • Cost control optimisation. , • Champion a culture of accountability and transparency around budgets and costs. 6. International Expansion \& Cross-Border Finance  • Assist with financial structuring, banking, and tax planning for international projects. , • Support cross-currency forecasting and consolidated reporting for UK and overseas entities. , • Liaise with external advisors (auditors, lawyers, tax specialists) to ensure group compliance and optimisation. The Ideal Candidate  • Experienced Finance Manager, Controller, or Senior Accountant ready for their next step. , • Confident working directly with founders and senior leadership. , • Entrepreneurial mindset: solutions-driven, proactive, and emotionally intelligent. , • Excited by the idea of growing with the business into a CFO-level position over time. , • Passionate about hospitality, creativity, and the intersection between business and brand. What We Offer • The opportunity to grow into a senior leadership role as the group expands internationally. , • A collaborative, creative, and family-driven culture that values purpose and integrity. , • Exposure to unique projects in London, Monaco, and Abu Dhabi. , • Competitive salary (commensurate with experience) with performance-based growth potential. , • Hybrid working structure and direct input in shaping the company's financial future. If this sounds of interest to you, please apply. Come grow with us at Pachamama Group! This is your chance to be a part of something extremely exciting! #IND

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  • BUSINESS & FINANCIAL PROJECT MANAGEMENT PROFESSIONAL
    BUSINESS & FINANCIAL PROJECT MANAGEMENT PROFESSIONAL
    27 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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