Credit Controller The Company: Momenta Finance is a dynamic and rapidly expanding alternative finance provider embarking on an exciting growth journey. Our founding ambition is to offer SMEs and property entrepreneurs the funding they need to prosper. We aim to ensure SMEs can access the right capital at the right price exactly when they need it. Our extensive institutional backing combined with our agility as an alternative lender; means we are well placed to realise our ambition. By combining technology with the human touch, we take a personalised approach to small business lending. Our lending decisions are often bespoke and its our personal approach that makes us different. Our experienced underwriters take the time to understand the business and its potential, enabling us to provide the best possible financing options. Since we launched in 2013, weve helped countless small businesses to grow, and we intend to do so for many more. We are an ambitious and diverse team working in a fast-moving environment, underpinned by our strong value set. We support each other, learn from each other, and have fun along the way. The Role: The Credit Controller is an integral part of the financial operations team, primarily focused on proactive debt recovery to mitigate arrears. Reporting to: Head of Monitoring, Credit Control and Financial Operations Key Responsibilities Assess personal equity and work with the Land Registry and credit reference agencies portals. Documentation gathering for any forbearance or restructure requests. Ensuring that documents are correctly executed prior to completion of any restructure or forbearance put in place. Contact early arrears clients over the phone to manage the collection of outstanding debts on accounts in arrears. Negotiating payment plans and new payment terms with clients. Correspond with debtors via telephone and email regarding queries/concerns that arise from unpaid accounts with the aim of resolving outstanding issues prior to litigation. Recall direct debit payments using our third-party direct debit platform: GoCardless. Prepare accurate and detailed statements of accounts for files both internally and for those to be transferred to the relevant solicitors. Prepare and submit proof of debt forms. Assist in closing the loan restructures and documentation gathering. Assist customers when they change bank details ensuring all customer profiles are up to date. Collaborate with legal counsel and instruct solicitors to begin recovery and review any formal demand letters. Assisting with the restructuring of loans by evaluating client circumstances and contributing to the negotiation of new loan terms. Reconciling customers loan accounts and preparing loan statements (Excel skills needed) with high accuracy. Using Experian, Transunion, Creditsafe, Land Registry, Zoopla to determine customer net worth and tracing their assets before recommending a course of action Preparing files to forward to English Solicitors, Scottish and Northern Irish Solicitors for letters before action Providing administrative support to the Head of Financial Operations and to our solicitors Ad hoc duties as required Qualifications and Skills Experience in credit control or debt recovery, including negotiating payment plans with clients. Strong telephone and written communication skills for handling arrears queries and liaising with solicitors. High accuracy and attention to detail when preparing statements, proof of debt forms, and legal files. Good level of Excel skills for reconciling loan accounts and preparing statements. Familiarity with credit and property search tools (e.g., Experian, Land Registry, Creditsafe). Understanding of loan restructuring and forbearance processes, including documentation gathering. Strong organisational skills with the ability to manage multiple cases and meet deadlines. Location, commitments and benefits: Duration: Permanent Employment Type: Full Time Salary: market related depending on experience Leave: 25 days annual leave Location: Finchley Road, NW London. Convenient location with easy access to public transportation (Metropolitan, Jubilee, Thameslink and Overground) Comprehensive benefits package Dynamic and collaborative work environment Start Date: ASAP How to Apply You can also apply directly through our website: Momenta Finance careers page Were committed to building a diverse and inclusive workplace. We welcome applications from people of all backgrounds, experiences, and identities. If you require any reasonable adjustments to support you through the application or interview process, please let us know - well do our best to accommodate your needs.