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 deadlinesBenefits
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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