Job Title: Credit Controller

Location: Finchley Road, North West London
Salary: Market-related, dependent on experience
Job Type: Permanent | Full-Time
Start Date: ASAP

Overview

We are working with a well-established financial services business based on Finchley Road, London, who are seeking an experienced Credit Controller to join their Financial Operations team.

This is a hands-on role focused on proactive debt recovery, arrears management, and loan restructuring, working closely with internal stakeholders and external solicitors to mitigate risk and reduce arrears prior to litigation.

Reporting into the Head of Monitoring, Credit Control and Financial Operations, you will play a key role in managing complex accounts and supporting the wider financial operations function.

Key Responsibilities

*Proactively contact early-arrears clients by telephone to manage the collection of outstanding debts
*Negotiate payment plans and revised payment terms with clients
*Correspond with debtors via phone and email to resolve queries and issues prior to litigation
*Recall direct debit payments using a third-party platform (GoCardless)
*Prepare accurate statements of account for internal use and for referral to solicitors
*Prepare and submit proof of debt documentation
*Assist with loan restructures, including documentation gathering and completion checks
*Update customer records when bank details or personal information changes
*Liaise with legal counsel and instruct solicitors to commence recovery action where required
*Review and assess personal equity using Land Registry and credit reference agencies
*Gather documentation for forbearance and restructuring requests
*Ensure all documents are correctly executed prior to completion of restructures or forbearance
*Reconcile loan accounts and prepare detailed loan statements (Excel-based) with high accuracy
*Use tools such as Experian, TransUnion, Creditsafe, Land Registry and Zoopla to assess net worth and trace assets
*Prepare files for English, Scottish and Northern Irish solicitors for Letters Before Action
*Provide administrative support to the Head of Financial Operations and external solicitors
*Undertake ad hoc duties as required


The Ideal Candidate

*Proven experience in credit control or debt recovery, including negotiating payment plans
*Strong telephone and written communication skills, confident liaising with solicitors and clients
*High level of accuracy and attention to detail
*Good working knowledge of Excel for reconciliations and statement preparation
*Familiarity with credit and property search tools (Experian, Creditsafe, Land Registry, etc.)
*Understanding of loan restructuring and forbearance processes
*Highly organised, with the ability to manage multiple cases and deadlines
Benefits

*Permanent, full-time position
*25 days annual leave
*Office-based role in a highly accessible Finchley Road location
*Excellent transport links (Metropolitan, Jubilee, Thameslink & Overground)
*Comprehensive benefits package
*Dynamic and collaborative working environment
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