Hours:35 hours per week, Monday to Friday, occasional shift cover may be required to support the team. This role offers hybrid working with a minimum Head Office requirement of 3 days per week, in Skipton North YorkshireSalary:£55,000 Per AnnumClosing Date:Thu, 5 Mar 2026The salary for this role is circa £55,000 PA dependent on skills and experience. Big things are happening in our Homes Business – we're leading the way in helping more people into homes – and we'd love for you to be part of it.Right now is a pivotal time to join us; we're creating innovative products, delivering standout services and fostering a culture of customer obsession. Meaning we're growing our Credit Management Team and are looking for a Team Leader to guide colleagues ensuring our members receive the support they need during life's more challenging moments. You'll be leading the team to ensure the Society's arrears, possessions and debt recovery books are effectively managed with appropriate policies and processes that aim to mitigate risks and improve the service to customers.If you have experience in a similar role, are passionate about helping our members, and want to drive performance while joining an organisation with a strong purpose – then we'd love to hear from you.Who Are We? Not just another building society. Not just another job.We're the fourth biggest building society in the UK and what makes us a bit different is that we're a mutual organisation. We don't have shareholders; we're owned by our members.Our colleagues say Skipton's a great place to work, and you could be one of them, bringing with you new ideas on how we can keep customers at the heart of what we do.Whatever your background, and whatever your goals, we'll help you take the next step towards a better future. You'll be joining Credit Management, consisting of four Credit Management Teams, each made up of level 1 and 2 Advisers, Senior Consultants, and Team Leaders. Together we work to fully understand customers' circumstances, identify the support we can offer, and deliver the best possible outcomes. Collaboration is key – we work closely with other areas of the Homes business, the wider Society, and external stakeholders such as field agents and solicitors. What's In It For You?Skipton values work/life balance and we are proud to support hybrid and flexible working, where possible. We have a newly refurbished head office which offers a vibrant and collaborative working space.We have a range of other benefits available to you including;Annual discretionary bonus scheme25 days standard annual leave bank holidays rising 1 day per year of service to a maximum of 30 daysHoliday trading scheme allowing the ability to buy and sell additional annual leave daysMatching employer pension contribution (up to 10% per annum)Colleague mortgage (conditions apply)Salary sacrifice scheme for hybrid & electric carA commitment to training and developme ntPrivate medical insurance for all our colleagues3 paid volunteering days per annumDiverse and inclusive colleague networks available for you to join including our Carers and Pride Alliance groupsWe care about your health and wellbeing – we provide a range of benefits that support this including cycle to work initiative and discounted gym membership What Will You Be Doing? As a Credit Management Team Leader, you'll lead from the front – motivating, inspiring, and engaging your team to deliver high performance and exceptional customer outcomes. You'll be instrumental in driving quality, coaching and developing individuals, and ensuring robust credit management processes that protect the Society and support members.You will be:Embedding a culture of quality by working closely with the Homes QA Team, ensuring frameworks are adhered to and performance is monitoredMaintaining appropriate succession plans to ensure the Society's ability to meet customer needs and demandsEnsuring all policies and processes comply with legislation and regulatory requirements, and training/development plans are reflective of thisEffectively managing customers in arrears of facing payment challenges, taking individual circumstances into account and offering appropriate temporary arrangementsOverseeing the management disposal of properties in possession, ensuring recovery of mortgage losses following saleWhat Do We Need From You? You'll bring strong expertise in credit management and a passion for leading people to deliver exceptional results. You'll combine technical knowledge with leadership skills to inspire your team, drive performance, and ensure compliance with regulatory standards. We're looking for someone who has:Significant experience in credit management and a deep understanding of processes and best practicesUp to date knowledge of the financial service industry and mortgage regulations Experience leading high performing customer facing teams, motivating and engaging to achieve successful outcomes through effective coaching, training and feedback A proven record of achieving results and meeting performance targets The ability to interpret technical regulations and assess their impact on the team and its processes The ability to analyse MI, identify trends and patterns and report back on these Experience managing relationships with key stakeholders, with strong communication and influencing skillsThe ability to drive change initiatives and support continuous improvement We're also looking for someone who strongly embodies our behaviours framework of curiosity, collaboration, bravery, and accountability – and can instil these behaviours within the team