Credit Officer

Elfin Market; Greater London; Hybrid; GBP 25,000 - 30,000; Full time

Job summary

Elfin Market, a growing fintech start-up based in London, is seeking a motivated Credit Officer. This role involves assisting borrowers in financial distress, providing them with support and repayment solutions. Ideal candidates will possess strong communication skills, problem-solving abilities, and a positive attitude. Join us during an exciting growth phase!

Qualifications

• Exceptional communication skills, both oral and written.
• Experience in a customer facing role is a plus.
• Familiarity with financial products is desired.

Responsibilities

• Reaching out to borrowers who have fallen into arrears.
• Setting up affordable repayment plans.
• Monitoring borrowers in financial difficulties.

Skills

Problem solving

Communication skills

Attention to detail

Social skills

Motivation

Open-mindedness

Tools

Zendesk

Job description

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Credit Officer – Start: July - August 2025

Elfin Market Ltd – London (possibility of working remotely)

About Elfin Market

We’re a fintech start-up which aims to disrupt the credit card market in the UK. We launched the Elfin credit account over 5 years ago and lent over £100mn since then, offering UK borrowers a fair and affordable alternative to credit cards. We started as a peer-to-peer lending platform and recently obtained a consumer credit authorisation from the FCA enabling us to source funds also from institutional investors, hence giving us a unique funding model amongst UK lending platforms. We currently have close to 25,000 users who have made over 500,000 withdrawals on the Elfin platform, and we’re looking for a motivated and ambitious credit officer to join our customer support team in our exciting journey.

Your role

You will be working on all matters related to the debt of borrowers on the platform with a specific focus on borrowers who have fallen into arrears or financial difficulties.

Your responsibilities will include:

·reaching out to borrowers in arrears or default via email, SMS and phone to discuss their account

·being the main point of contact for borrowers in arrears or financial difficulties, and providing them with their repayment options and any support needed for managing their debt

·setting up affordable repayment plans as and when needed, in line with our internal policies

·liaising with debt management companies to confirm a customer’s debt on the platform and helping set up repayment plans

·actively monitoring borrowers in financial difficulties and reaching out to them from time to time to reassess their circumstances

You will be expected to show professionalism, compassion and knowledge when responding to requests from customers, and will be working in close collaboration with our customer support team and compliance officer. You will be joining us at an exciting time! We are growing quickly and want to maintain high standards whilst we expand.

The ideal candidate

We’re looking for someone with the following profile:

·great at problem solving and strong attention to detail

·exceptional communication skills, both oral and written, with flawless spoken and written English and a good and patient telephone manner

·exceptional human and social skills: your role may get stressful and frustrating from

time to time, so we’re looking for someone who will keep a positive and enthusiastic

approach

·extreme motivation: as one of our early hires, we’re looking for someone who is punctual, highly motivated and who will get things done

·open-mindedness: we love discussing ideas and exchanging constructive criticism,

both on the day-to-day and when making important decisions. You’ll be a key part of

Additionally, if you tick any of the following boxes, this will be a definite plus:

·previous experience in a customer facing role and/or start up

·familiarity with Zendesk or another CRM software

·knowledge of financial products and services

-working in a start-up will give you the opportunity to acquire lots of different skills and grow your role over time beyond its initial scope

-flexible working arrangements

Compensation and rewards package

-£25,000 - £30,000 per year, varies based on experience and subject to regular salary

reviews

If you’re looking to work in a dynamic and collaborative environment, with a strong desire to learn and take on responsibilities quickly, don’t hesitate to apply with us.

Seniority level

• Seniority level

  Entry level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

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