# Arrears Specialist

**Company:** [Target](http://jobs.workable.com/companies/8DA4SXZeo48Aqwc7YkbAuY.md)
**Location:** Remote
**Workplace:** remote
**Employment type:** Full-time

[Apply for this job](http://jobs.workable.com/view/d99863d3-427b-4311-a8ea-9ddaa9d314b0)

## Description

**Arrears Specialist**

**Fully Remote | £29,000 per annum**

**Shift Hours = 7.5 hours between 8am and 8pm (Mon-Thurs) and 8am - 6pm (Fri). Requirement to work 1 in 3 Saturdays from 9am to 2pm**

**Start Date: 5th October**

We’re looking for a supportive, approachable and confident **Arrears Specialist** to join our team. In this role, you’ll be speaking with customers who are going through financial difficulties and helping them understand their options. Your aim is simple: make things clearer, take away some of the worry, and guide them towards a plan that genuinely works for them.

You’ll handle inbound and outbound calls across our **Recoveries** and **Assessments & Vulnerable Customers** teams. Every conversation is different, but your focus is always on doing the right thing for the customer — and getting it right first time.

**What You’ll Be Doing**

-   Having honest, helpful conversations with customers across phone and email
-   Making sure every customer receives a fair and positive outcome
-   Spotting when someone is in financial difficulty and pointing them towards the right support
-   Completing income & expenditure assessments to understand what they can realistically afford
-   Agreeing sustainable payment plans
-   Using the right tools and forbearance options to help customers get back on track
-   Recognising when a customer is vulnerable and responding appropriately
-   Handling complaints calmly and professionally
-   Following our processes and staying compliant
-   Working towards key performance measures such as quality, behaviours and reducing avoidable issues

## Requirements

**What You’ll Bring**

-   A real passion for helping customers
-   A calm, reassuring phone manner
-   Resilience and confidence when handling challenging situations
-   The ability to work well in a busy, fast‑paced environment

**Your Experience**

-   Background in Financial Services
-   Recent experience in collections and/or debt recovery
-   Understanding of MCOB regulation and working within a regulated environment
-   Awareness of customer vulnerability and the TEXAS model
-   Experience applying forbearance options OR experience in underwriting
-   **CeMAP** (nice to have, not essential)

## Benefits

**Why join us?**

-   A varied, interesting workload across multiple clients and products
-   A supportive team culture that values individuality and wellbeing
-   A chance to contribute directly to risk management and customer protection
-   Opportunities to grow your knowledge and progress your career
-   Regular feedback, recognition and development support

**We are passionate about our colleagues and offer industry leading benefits....**

-   30 days holiday entitlement plus bank holidays (From Day 1)
-   Defined Pension Contribution Scheme (Employer matched up to 6%). Plus, option to contribute via Salary Exchange (alternatively known as Salary Sacrifice)
-   Employee Discount Scheme, access to discounts and offers across 100s of leading retailers. Plus, cashback on purchases
-   Company Paid Private Medical Insurance (benefit in kind)
-   Group Life Assurance
-   Group Income Protection
-   Discretionary Annual Pay Review
-   Discretionary Annual Bonus Scheme
-   Loyal Service Scheme - rewarding your commitment with financial recognition, additional holidays, and matched pension contributions of up to 10% at key service milestones.
-   Free Flu Vaccinations, Eye Tests and employer contribution towards glasses
-   Recognition Scheme
-   Free Mortgage Advice and Support
-   Wisdom Wellbeing, your go to for wellbeing resources and solutions to include an Employee Assistance Program
-   Everest Funeral Concierge
-   Free Bereavement and Probate Advice and Support
-   Access to a GP 24 hours a day, 7 days a week, 365 days a year through GP24
-   Paid eye tests and employer contribution towards spectacles specifically for VDU use.
-   Enhanced parental leave 

**You can also select other benefits, we cover the upfront cost and make monthly deductions from your pay, interest free!**

-   Technology Buying Scheme
-   Discounted Gym Memberships
-   Taste Card / Coffee Club Membership
-   Charitable Payroll Giving
-   Cycle to work Scheme (Salary Sacrifice)

**If you want a role where your conversations genuinely change outcomes, we’d love to hear from you.**