Collections Officer

Job Title: Arrears Executive – Part Time Working Pattern: 18 hours per week - we can be flexible to accommodate your personal circumstances, whether that means working two longer days, a combination of one longer day and shorter days, or spreading the hours across five shorter days each week Salary: £29,000 pro rata (£14,400) and up to 20% bonus and benefits Location: Cardiff - hybrid working after probation. 💚 Shaping the future of sustainable digital banking  Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK.   People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.   Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®.   Tandem is growing fast and helping to shape the future of sustainable banking.  Your team: Collaborators in change   Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.  This is a key role in ensuring that the fair treatment of customers is embedded within the Operations team whilst ensuring that fair customer outcomes are consistently delivered. The purpose of the role is to support the Operations Leaders by supporting customers in financial difficulty and arrears whilst achieving departmental service levels. Upholding company standards and complying with all relevant Company and regulatory obligations (including adherence to FCA rules (including FCA MCOB and CONC rules).     Led by our Operations Director, our Operations teams are responsible for all customer contact.  The teams are the primary points of contact for customers including responding to their inbound queries during the lifetime of their mortgage or loan as well as supporting customers that are in financial difficulty and/or arrears. Our aim is to provide an exceptional service to our customers by ensuring that we have knowledgeable, well training operational colleagues to deliver the service that our customers expect of us.        Your Impact: Building a sustainable tomorrow   As an Arrears Executive at Tandem your focus will be on:  * Proactively service requests from our customers efficiently and professionally ensuring at you provide the customer with the information that they require.   * Proactively manage all customer service-related inbound communication (via telephone, correspondence, email, portal) from customers and third parties as part of the servicing and arrears management of a range of mortgage and loan products.  * Ensure regulatory transactional documentation is issued accurately and correctly in accordance with regulatory requirements (including regulatory arrears correspondence).   * Identify situations that may require specialist handling (e.g. complaints, vulnerability, fraud) and refer these where appropriate.   * Knowledge and practical application of handling customer complaints, to include identifying complaints, logging and investigating with an aim to putting a resolution in place.   * Knowledge and practical application of dealing with vulnerable customers at first point of contact to ensure their specific needs are understood and they are treated with care and consideration.   * Proactively manage accounts in arrears by completing outbound contact to establish the root cause of the customers payment difficulties and identify options to assist the customer in rehabilitating their mortgage or loan arrears.    * Negotiate with customers and authorised third parties in financial difficulty regarding how to repay their arrears taking into consideration their individual personal circumstances.   * Knowledge and practical application of completing Income and Expenditure assessments and deciding suitable forbearance options for the customer.    * Knowledge and practical application of late arrears and litigation practices.   * Ensure that all customer contact both written and verbal is conducted within Company standards, FCA regulations, Customer Complaint procedures and that the principles of TCF are upheld consistently with all customers.   * Attain and maintain own competence to Group Training and Competence Framework demonstrated by ongoing adherence.   * Proactively challenge existing processes and take ownership for implementing positive changes which are within own span of control.   * Keep up to date with all Company/regulatory changes particularly those which affect own business area.   * Actively contribute to the achievement of the Company Balance Scorecard objectives and demonstrating Company values in everything you do.   * Adherence to and promotion of a culture of treating our customers fairly to deliver fair outcomes.       We’d love to hear from you if you have:  * Previous experience in financial services (with relevant regulatory appreciation) with demonstrable success in customer service and arrears within a regulated lending environment.   * Demonstrable experience of working accounts in arrears including applying arrears forbearance options and identification of customers that are vulnerable.   * Demonstrable experience of collecting arrears for mortgages and loans with knowledge of how own and team performance affects wider Company objectives.   * Demonstrable knowledge of FCA rules (including MCOB and CONC rules), delivering fair outcomes to customers, CCA and GDPR regulations.   * A working knowledge of customer services and arrears management in a regulated, lending environment.      Rewards that reflect your value, what’s in it for you?    At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer from your very first day with us:     * 25 days annual leave plus 8 days Bank Holiday    * An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc  * Buy or sell up to 5 days holiday a year  * Healthcare cash plan through Westfield Health   * Life Assurance at 3 x salary  * Electric Vehicle salary sacrifice scheme     * Cycle to Work salary sacrifice scheme and a free helmet    * Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)  * Smart Tech scheme (buy goods with 0% interest)  * 10% discount on solar panels  * Tandem Hub for treats, cash back and discounts on UK retailers     * 2 days per year paid volunteering     * Free cereal, snacks and drinks in all offices  * Quarterly team social budgets   * The above is based on a full-time contract and will be pro rata accordingly. Our Green Deal: Your Impact Amplified  A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:  * Volunteer 2 days a year for charity > receive an early Friday finish   * Raise £200 per annum for charity > Tandem provide PR and marketing support   * Have renewable energy at home > receive an additional 1 day annual leave   * Drive an electric car > receive £500 towards a home charger    Ready to make your mark?   Apply now and let's pave the way to a greener world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role.    Sourcing Model  Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.    Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.   Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.  1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!  📈Check out the development opportunities in the Collections team. 📍 Manchester | 🏢 3 days in office, 2 from home (Fully office-based for the first 3 months)  ⏰ Shifts - 37.5 hours per week Monday - Friday between 8am - 8pm. What You’ll Be Doing In this role, you will work directly with customers to help them manage financial arrears by setting up fair repayment plans while ensuring compliance with relevant laws and policies. You’ll be an empathetic and professional communicator, striving to resolve issues with patience and persistence. * Engage directly with customers to negotiate repayment plans * Analyse financial situations to create tailored solutions * Ensure adherence to GDPR, FCA, and FDCPA regulations * Handle customer complaints and resolve conflicts effectively * Prioritize multiple tasks while maintaining high-quality standards * Work with internal and external teams to support customer outcomes We’re Looking For * Collections experience within financial services  * Strong communication skills, both verbal and written * Proven ability to manage challenging customer interactions * Experience using multiple communication platforms (email, SMS, etc.) * Ability and skills to handle difficult conversations and deliver a fair customer outcome Diversity & Inclusion 🌈 We welcome, consider, and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We believe in balancing hard work with a bit of fun, so our office is designed for both productivity and play. From a pool table and PlayStation to a few office dogs roaming around, we’ve created a space where you can relax and recharge. Check out the perks we offer: 💷 Salary range £27,000 - £34,000 depending on experience 🏥 Private Healthcare including dental and optician services through Vitality ✈️ Worldwide travel insurance through Vitality 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🏖️ 28 days holiday (plus bank holidays) 📖 Annual Learning and Wellbeing Budget 👪 Enhanced Parental Leave 🚲 Cycle to Work Scheme 🚂 Season Ticket Loan 💬 6 free therapy sessions per year 🐶 Dog Friendly Offices 🍫 Free drinks and snacks in our offices Check out more of our benefits, values, and mission here. Interview Process: 🤝First stage: 30 minute intro and values call with Talent Partner (Video call) 🤝Final stage: 60 minute CV overview with Team Leaders (In person) Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)