Debt Advisor

SNG (Sovereign Network Group); West of England; Hybrid; GBP 24,375 - 27,375; Full time

Benefits offered by this job

25 Days Holiday + Bank Holidays

Flexibility to buy/sell holiday

Enhanced maternity/adoption and paternity pay

Wellbeing discounts, including gym memberships

Job summary

A community-focused organization in the UK is seeking a skilled Debt Advisor to provide FCA-regulated financial guidance. This role involves working directly with customers to help them manage their finances and navigate debt solutions. Candidates should possess a strong understanding of welfare benefits and excellent communication skills. The position offers a hybrid working model and competitive benefits including 25 days of holiday, enhanced parental leave, and a generous pension scheme.

Qualifications

• Accredited in Debt Advice, e.g. Institute of Money Advisers CertMAP.
• Strong knowledge of welfare benefits and arrears prevention.
• Experience managing varied caseloads while maintaining compliance.

Responsibilities

• Deliver FCA-regulated debt advice to customers.
• Support customers facing financial challenges.
• Negotiate with creditors and agencies.

Skills

Excellent communication skills

Negotiation skills

Knowledge of FCA regulations

Experience with vulnerable customers

Education

Accredited in Debt Advice or working towards

Job description

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SNG (Sovereign Network Group) provided pay range

This range is provided by SNG (Sovereign Network Group). Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

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Talent Acquisition Specialist @ Sovereign Network Group | Specialising within IT, Housing, HR, Customer Service and Finance

At Sovereign Network Group (SNG), we believe in more than just providing homes – we're here to help our customers thrive. Our Debt Advice Team plays a vital role in supporting people to regain financial stability and resilience.

We're pleased to have an opportunity for a skilled Debt Advisor to join our team.

You'll follow our hybrid approach of home, office and resident visit working. Your office location will be either Bristol or Exeter.

The Role:

In this role, you'll provide FCA-regulated debt advice to our customers – including those in vulnerable situations. Helping them manage their finances, reduce outgoings, and maximise income. You'll work with customers over the phone, online, and face-to-face in their homes or communities, tailoring your support to their needs.

You'll manage a caseload, carry out detailed income and expenditure assessments, negotiate with creditors, and work closely with internal teams and external agencies to deliver positive outcomes. You'll also mentor less experienced colleagues, helping to shape our debt advice service for the future.

What you'll be doing:

• Delivering regulated debt advice in line with FCA guidelines.
• Supporting customers through financial challenges, including those with mental health conditions or disabilities.
• Negotiating with creditors and agencies such as local authorities, DWP, and utility companies.
• Maintaining accurate, compliant case records and ensuring data quality.
• Building strong, trust-based relationships with customers and partners.
• Signposting or referring customers to additional support where appropriate.

What we're looking for:

• Accredited (or working towards accreditation) in Debt Advice, e.g. Institute of Money Advisers CertMAP.
• Strong knowledge of welfare benefits, income maximisation, and arrears prevention.
• Excellent communication and negotiation skills, with the ability to adapt to different customer needs.
• In-depth knowledge of debt solutions, legislation, and best practice.
• Experience managing varied caseloads efficiently while maintaining compliance.
• Background in working with vulnerable customers in housing, financial, or advice services.

We have some great benefits at SNG, including:

• 25 Days Holiday + Bank Holidays (with an extra day every year up to 30 days)
• Chance to buy or sell holiday as part of our flexible benefits package
• 3 additional Wellbeing days and 2 paid volunteering days
• Generous matched pension scheme up to 12% and Life cover at 4x salary
• Enhanced maternity/adoption pay
• Enhanced paternity pay - 6 weeks full pay (after 26 weeks' service)
• Options for private medical insurance, dental insurance and critical illness cover
• Wellbeing discounts, including Gym Memberships and access to a 24/7 virtual GP service

We offer flexible working, professional development opportunities, and a chance to be part of something meaningful. We're passionate about inclusion for all and creating a workplace where everyone can thrive.

Sound like your kind of role? Apply today to be considered!

Seniority level

• Seniority level

  Associate

Employment type

• Employment type

  Full-time

Job function

• Job function

  Customer Service

• Industries

  Housing and Community Development and Non-profit Organizations

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