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  • Credit Controller
    Credit Controller
    4 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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  • Barista / Cashier
    Barista / Cashier
    5 days ago
    £11–£13 hourly
    Full-time
    Isleworth

    About Us: Join our vibrant café where we blend exceptional coffee with a welcoming atmosphere. We are passionate about creating memorable experiences for our customers through great service and high-quality beverages. Job Description: We are seeking an enthusiastic and skilled Barista to join our team. As a Barista, you will be responsible for crafting delicious coffee and tea beverages, providing outstanding customer service, and maintaining a clean and inviting café environment. Your role is crucial in ensuring our customers leave with a smile and a perfect cup of coffee. Responsibilities: • Prepare and serve a variety of coffee and tea drinks, following our recipes and presentation standards., • Operate coffee-making equipment such as espresso machines, grinders, and brewers., • Maintain cleanliness and organization of the café, including workstations, seating areas, and restrooms., • Take customer orders and process transactions accurately using the POS system., • Provide exceptional customer service, including answering questions and making recommendations., • Assist in inventory management, including stocking supplies and notifying the manager of low stock levels., • Adhere to all health and safety regulations and best practices. Qualifications: • Previous experience as a Barista or in a customer service role is preferred., • Strong communication and interpersonal skills., • Ability to work in a fast-paced environment and handle multiple tasks simultaneously., • A passion for coffee and a desire to continuously learn and improve., • Attention to detail and a commitment to maintaining high standards., • Availability to work flexible hours, including weekends and holidays.

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  • Plumber
    Plumber
    7 days ago
    £30000–£40000 yearly
    Full-time
    Twickenham

    We are seeking a skilled heating installer with at least 5 years experience to join our team. Specialising in high efficiency gas boilers and renewable technologies, we are looking to expand due to increased demand for our top quality services. We cover domestic and non domestic work, based around south west London and try to keep jobs within 1 hour travel time of our base in Twickenham, TW1. The successful candidate will be responsible for the installation, maintenance, and repair of heating systems in both residential and commercial properties. Duties • Install and maintain heating systems, ensuring compliance with safety regulations and standards., • Perform routine inspections and diagnostics on heating equipment to identify issues., • Servicing and repairing systems, as well as partial and full installations, • Assemble and plumb heating units, ensuring proper connections and functionality., • Collaborate with other tradespeople, including carpenters, to complete projects efficiently., • Maintain accurate records of work performed and materials used., • Adhere to health and safety guidelines while working in various environments. Requirements • Proven experience as a Heating Engineer is a MUST, • Successful applicants must have excellent written and verbal communication skills., • CCN1, CENWAT, (HTR1 and CKR1 beneficial) and G3 HW regs advantageous but not necessary, • Strong mechanical knowledge with the ability to troubleshoot heating systems effectively., • Non-domestic gas, Heat pump, biomass or solar thermal experience advantageous but not necessary, • You must have a full clean UK driving licence, • Able to work alone and in a team The ideal candidate will demonstrate a proactive approach to problem-solving, excellent communication skills, and a commitment to delivering high-quality workmanship in every task undertaken. Van and some tools can be provided and reflected in renumeration Training and improvement opportunities are available. In return we are looking for long term commitment from a motivated person

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  • Store Manager
    Store Manager
    9 days 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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  • Line Borer Machinist
    Line Borer Machinist
    16 days ago
    Full-time
    Denham

    ⭐ Experienced Mechanical Line Borer Machinist – Now Hiring! ⭐ Location: Iver, UK Employment Type: Full-time Salary: Competitive, based on experience Start Date: Immediate / Negotiable About the Role We are seeking a highly skilled Mechanical Line Borer Machinist to join our team. The ideal candidate will have hands-on experience operating portable line boring equipment, performing precision machining, and working on a variety of heavy machinery components in a workshop environment. Key Responsibilities • Perform workshop-based line boring on heavy equipment and industrial machinery, • Operate and maintain portable line boring machines and related tooling, • Measure, assess, and repair worn bores to required tolerances, • Weld build-up and machine back to OEM specifications, • Conduct quality checks to ensure accuracy and compliance, • Follow all safety procedures and maintain a clean, organised workspace Requirements • Proven experience as a line borer machinist (minimum 2 years), • Strong understanding of machining principles, tolerances, and measurement tools, • Experience with bore welding systems (optional but highly regarded), • Ability to work independently, • Mechanical aptitude and problem-solving skills, • High attention to detail and commitment to quality workmanship We Offer • Competitive pay, • Modern equipment and well-supported workshop, • Training and career development opportunities, • Supportive team environment, • Varied work across industries such as mining, construction, transport, and agriculture How to Apply Please send your CV and brief cover letter.

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  • Hair Stylist
    Hair Stylist
    2 months ago
    Full-time
    Hayes

    Are you an experienced Hair Stylist, colourist, hair dresser for women and are looking for a change? Or have recently completed your Hair and Beauty Related Level 2 or Level 3 certification and are now looking to kick start your career? Then My Beauty Basics may be the place for you. We are an established Hair, Beauty, Nails and Laser Clinic in a busy parade of shops at 246, Kingshill Avenue, Hayes, UB4 8BZ. We are looking to expand our team by bringing exceptional tenant and colleagues who love to exceed customers expectations through their services. There will be plenty of opportunities to serve your existing customers ( not an issue if you do not have any yet) from a modern and pleasant environment which is setup to provide a number of related services. Indeed a lot of opportunities to attract new clients too through our strong social media and online presence. We fund all of the advertising and marketing of services in salon, local area and online. Access to our online booking system linked to a mobile app that provides excellent level of customer engagement through Loyalty Scheme and points collection system. We love to encourage continuous professional development through trainings so there will be plenty of opportunities to get trained in new skills and refresh the existing ones. Excellent percentage terms if you wish to work on flexible self employed contract. A great way to not get tied into a fixed salary scheme but be able to grow your earnings your own way. Choose what days, hours you want to work. Work from more than one place if that fits better into the way you want to work. Equally we are happy to discuss if you would rather work on an employee contract. If this little overview of the environment you will be working in sounds good then lets have a detailed chat.

    Immediate start!
    No experience
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