Customer Support Consultant

Principality; Cardiff, Merthyr Tydfil; Hybrid; GBP 28,000 - 40,000; Full time

Benefits offered by this job

Flexible hybrid working

Inclusive workplace

Debt support benefits

Job summary

Principality is hiring a Customer Support Consultant to manage sensitive conversations with customers in financial difficulty. You will assess circumstances, implement fair forbearance options, and coordinate with internal teams to ensure compliant outcomes.

Experience in arrears, collections or debt guidance is desirable. Strong empathy, communication skills, and ability to work to KPIs are required. Flexible hybrid working and inclusive culture offered.

Qualifications

• Experience in a regulated financial services environment is essential.
• Ability to handle sensitive conversations with empathy and discretion.
• A track record of meeting regulatory deadlines and documentation standards.

Responsibilities

• Contact customers in arrears via phone, email, and post.
• Assess individual circumstances and agree tailored support plans.
• Signpost to debt advice agencies where appropriate.

Skills

Customer service

Regulated environment

FCA awareness

Empathy

Communication

Negotiation

Case management

Documentation

KPIs

Job description

Hours: 35 - Talk to us about Flexible Working

Location: Principality Head Office, Cardiff

Hours: 35

Contract Duration: Full-Time, Fixed Term Contract

Hours: 17hrs Thursday & Friday 9-5, every Saturday 9-12

Contract Duration: Part-Time, Fixed Term Contract

Location: Principality Branch, Merthyr Tydfil

Hours: 35

Contract Duration: Full-Time, Fixed Term Contract

Contract Duration: Full-Time, Fixed Term Contract

Closing Date: 06 September 2026

Customer Support Consultant

BELONG –There’sno place like Principality

At Principality, belongingisn’tjust a value —it’show we work. When you join us,you’rewelcomed into a supportive, inclusive community where your home life, wellbeing, and individuality are genuinely respected. From flexible ways of working to benefits designed around you,we’recommitted to helping you feel comfortable, valued, and able to thrive.

We believegreat workhappens when people feel connected — to each other, to our purpose, and to the communities we serve.That’swhy we encourage balance, invest in wellbeing, and focus on growing and improving together.

There are plenty of reasons to build your career with Principality:

• Flexible hybrid working – Our award-winning approach gives you the flexibility to work from home and from the office. Collaboration matters to us, soyou’llspend at least8 days per monthbased in our Cardiff office.
• A truly inclusive workplace – Proudly named in the2025 Inclusive Top 50 UK Employers List, ranked27th, recognising our ongoing commitment to inclusion and belonging.
• Customer excellence you can be proud of – Winners ofDouble Gold Awards for Customer Satisfactionat the Fairer Finance Awards 2025 for both Savings and Mortgages.
• Engaged, supported colleagues – Our colleague engagement scores consistently exceed85%, reflecting a positive and supportive culture.
• Wellbeing at the heart of what we do – OurBelongbenefits package is designed to put our people first, supporting your physical, mental, and financial wellbeing.

These achievements reflect more than awards —theyrepresentour long-term commitment to creating a workplace where colleagues feel supported and customers feel cared for.

When it comes to belonging, there truly is no place like Principality.

We’re currently recruiting for a Customer Support Consultantwho will be able to manage sensitive and sometimes challenging conversations with customers who may be vulnerable or experiencing financial difficulty. They will take time to understand each customer’s circumstances, identify the most appropriate support, and help them move toward a fair and sustainable outcome.

We are looking for someone with strong customer service skills, sound judgement and the confidence to have sensitive conversations. Previous experience in arrears, collections or financial difficulty support would be helpful, but it is not essential. The right person will be able to listen carefully, show empathy, follow guidance and make fair decisions that support both customers and the Society.

• Work with customers in financial difficulty via telephone calls, both inbound and outbound, and in writing, via email and letter
• Engage with customers early to understand their circumstances and prevent further arrears
• Engage with customers early to understand their circumstances, identify support needs and help prevent issues from escalating
• Agree, implement and monitor appropriate support arrangements tailored to individual customer needs, with guidance and training provided where specialist forbearance knowledge is required
• Identify and support customers in vulnerable situations, signposting to free debt advice agencies where appropriate
• Ensure all interactions and decisions comply with FCA rules, internal policies, and regulatory guidance
• Maintain clear and accurate case notes, correspondence, and supporting documentation
• Escalate cases appropriately, including litigation or possession referrals, when all other options are exhausted
• Liaise with internal teams such as litigation, underwriting, complaints, and compliance
• Contribute to a culture of positive customer outcomes, risk awareness, and continuous improvement through operational excellence

Key Skills & Experience:

• Customer service experience in a regulated, financial services or similar environment, with previous mortgage arrears, collections or loan servicing experience desirable but not essential
• Awareness of FCA expectations, including fair customer outcomes and Consumer Duty, with full training provided on relevant mortgage arrears regulation and internal policy requirements
• Ability to understand a customer’s financial circumstances, ask appropriate questions and complete income and expenditure assessments with care and accuracy
• Understanding of customer support options, with experience of forbearance solutions such as arrangements to pay, temporary interest only or payment deferrals desirable but not essential
• Skilled at handling vulnerable customers with empathy and in line with FCA vulnerability guidance and the Society’s Supported Customer framework
• Strong communication and negotiation skills, with the ability to have sensitive and challenging conversations
• Ability to make fair, evidence‑based decisions while balancing customer outcomes and business risk
• Strong case management and documentation skills, ensuring accurate and compliant record‑keeping
• Ability to work to KPIs, quality standards, and regulatory deadlines without compromising customer care
• Awareness of when cases may need to be escalated, with experience of litigation, possession actions or third-party solicitors desirable but not essential
• Knowledge of debt advice and money guidance organisations (e.g. StepChange, Citizens Advice)
• Ability to recognise and respond appropriately to customer dissatisfaction, with experience handling complaints related to arrears or financial difficulty desirable

We reserve the right to close this vacancy early should we receive a high volume of applications