Trainee Debt Advisor (Bradford support hub based)

Capuk; Bradford; Hybrid; GBP 26,000 - 30,000; Full time

Benefits offered by this job

Hybrid working

Pension contribution: CAP 6.5% (up to

31–39 days holiday

Job summary

Capuk in Bradford is seeking a Trainee Debt Advisor to join our Service Delivery team. You will complete an eight-week classroom and on-the-job training at our Bradford offices starting January 2027, then transition to hybrid work with a mix of home and office duties.

The role focuses on building budgets, advising clients on debt options, and negotiating with creditors to create sustainable plans. It offers progression opportunities to more senior advisory roles as you develop.

Qualifications

• Trainee role requiring full-time training at Bradford offices starting January 2027.
• Applicants should be confident with numbers and delivering quality customer service.
• Ability to remain compassionate and emotionally resilient while supporting clients.

Responsibilities

• Build client budgets to support clients in managing finances.
• Create tailored advice plans to help clients become debt free.
• Negotiate with creditors to establish sustainable repayment plans.
• Resolve client queries via phone, email and SMS.
• Collaborate with CAP staff and partner churches in running local debt centres.

Skills

Numerical skills

Customer service

Compassionate & resilient

Education

GCSE Maths

Tools

Microsoft Excel

Job description

Interview Assessment Day will take place this autumn at our Bradford Support hub on Wednesday 11th November 9am-1.15pm so save the date!

If successful, training will take place at the start of January 2027

Please note that this role requires full time training to be held at our Bradford offices, commencing January 2027 for 8 weeks, which you would need to be available for.

You would be Bradford Office based initially during training but with hybrid working split between home and our office available after completion of initial training (around 12 weeks). You can of course work from the office entirely if preferred.

We want to get to know you for the person you are, so please respectfully refrain from using any kind of any AI generated answers on the application form.

Skilled worker visa

From 22 July 2025, the Government increased the salary threshold and skills level for Skilled Worker visas. If you are applying for a Skilled Worker Visa for the first time, this role does not meet the current eligibility criteria for sponsorship under the immigration rules.

The Department cannot consider sponsoring you for this role unless you have held a Skilled Worker visa continuously since before 22 July 2025. If you have held a Skilled Worker visa continuously, please raise this during your vetting checks, and eligibility will be assessed in accordance with the immigration rules and transitional provisions in place.

If you are applying for this role and you do not meet the new eligibility criteria for sponsorship or the transitional provisions, you will need to consider your options for obtaining and/or maintaining your right to work in the UK in light of these changes. Successful applicants must ensure they have and maintain the legal right to live and work in the Civil Service and in the United Kingdom.

The Department will continue to comply with the UK Immigration Rules applied in the UK and the Civil Service. You can read more about Skilled Worker visas and the eligibility criteria here.

Whether you have worked in Debt advice before or are looking for a new opportunity we can help you develop your skills and knowledge to join our Service Delivery team. If you are confident with numbers, can deliver excellent customer service and are compassionate, but emotionally resilient then this is the perfect role for you.

CAP celebrates the value of diversity and our aim is for our workforce to be as inclusive as possible as well as representing the communities we serve. With this in mind, we welcome and encourage job applications from people of all backgrounds. We particularly welcome applications from candidates from black and ethnic minority backgrounds. We are committed to continue building an environment that embraces diversity and includes all.

Salary and Progression

Trainee Debt Advisor starting salary of £25,810 with the opportunity to progress to a Debt Advisor role with a salary of £27,960 usually within 12 months. Further progression is available to a Senior Debt Advisor with a salary of £29,926, usually after 2 years (based on meeting necessary performance and development criteria).

After this there are manager and specialist roles that may become available to apply to for further career progression.

As a Trainee Debt Advisor you will complete a comprehensive programme of classroom training, exams and on the job sign off to equip you to be able to bring expert advice and support our clients in their journey to becoming debt free.

Once you step into one team, you will be working in a fast paced, but rewarding environment. As a debt advisor you will be creating bespoke advice, crafted to help each client gain greater control over their finances. Whether it is negotiating with creditors, or reassuring a distressed caller, as a debt advisor you’ll be demonstrating the highest standard of service, demonstrating both expertise in knowledge but also genuine care for those we are working with.

What a Debt Advisor does:

• Build budgets to support clients in managing their finances
• Create tailored advice plans to give suitable options to become debt free
• Negotiate with creditors to create a sustainable payment plan and stop further debt collection
• Resolve client queries over phone, email and sms
• Working with partner churches in running their local debt centres

See full accountabilities below

Rewards & Wellbeing

• CAP 6.5% employer pension contribution (increasing to 10% based on your personal contributions)
• 34 days annual holiday (including flexible bank holidays), increasing by a day per year up to 39 days
• 2 paid Mental Health days and up to 5 Family Emergency Care leave days per year
• Paid 'Revive' days to take time out with your team during the year
• Enhanced paid sickness, maternity, paternity and adoption leave
• Access to Employee Assistance Programme
• Hybrid working
• Flexitime from completion of training (start/finish earlier or later in the day, accrue extra time off & achieve that work/life balance!)
• Free annual eye tests
• Plus many more!

• Complete the Debt Advisor classroom training course
• Create a client budget from information gathered by local CAP staff, reviewing documentation, identifying further queries and applying guidance to expenditure
• To advise clients on their best options to deal with their financial difficulties. This includes formulating a strategy to become debt free, as well as broader advice relevant to their financial situation
• Pass Stage 2 sign off for advice creationIdentify potential enforcement action against clients, negotiating with creditors to establish sustainable plans for repaying debts (or holding further enforcement action)
• Complete Phone training and achieve sign off for call handling
• To deal with client and creditor queries as they arise through the various communication methods available; including phones, post, emails and SMSs
• Amend and update client budgets with changes to their circumstances and identify when a change of circumstance impacts a clients route option
• Pass Stage 1 sign off for budget amendments
• To demonstrate patience and resilience whilst helping clients with multiple complex needs, ensuring that CAP continues to deliver the very best for the very least
• To proactively manage clients’ cases toward a debt free conclusion, completing workflow tasks as required and complying with CAP’s Debt Help Policy and Procedures at all times
• To liaise with and work alongside other Service Delivery teams
• To communicate with the CAP debt coaches regarding the status of their client’s cases

Measurable Outputs:

• Achieve a Pass in the required exams to complete the Debt Advisor training course
• Achieve Stage 1 sign off within 6 months of starting the role
• Achieve Stage 2 sign off within 12 months of starting the role

Culture

• Clearly live out and embrace the cultural values of CAP.
• Clearly demonstrate a heart and passion for the charity.
• Sincere acceptance, understanding and practice of the Christian ethos and purpose of the charity.

Other responsibilities include:

• Being willing to pray with staff and fully engaged with our Christ-centered culture.
• Encouraging friends, family and other contacts to support the charity through the Life Changer programme and other fundraising initiatives.
• Attending annual CAP staff conferences.
• Completing all compulsory CAP training within given timescales.
• This role falls within the scope of the FCA’s conduct rules, and you will be provided with training as to how these apply to the role. It is your responsibility to ensure that you follow these conduct rules.

The above job profile is a guide to the work you may be required to undertake but does not form part of your contract of employment. It may change from time to time to reflect changing circumstances.

Christian commitment:

• The candidate must be able to give both verbal assent to and practical demonstration of Christians Against Poverty’s Statement of Faith and Core Values.
• Must be able to actively participate in prayer and worship, whether individual, small group or corporately, as an expression of their own personal faith and in line with CAP’s Statement of Faith.

All adults working in or on behalf of CAP have a responsibility to safeguard and promote the welfare of children and adults. This includes:

• A responsibility to ensure a safe environment in which CAP services can be delivered.
• Identifying children and adults where there may be safeguarding concerns.

Following the CAP Safeguarding policy in addressing any concerns appropriately.

• Excellent communication, both verbal and written
• Able to quickly analyse complex situations to find the best solution
• Confident computer user, able to quickly gather and accurately record information
• A confident, quick learner with a capacity for large workloads
• High emotional resilience. Able maintain wellbeing whilst dealing with sensitive and highly emotive client circumstances
• Strong numerical skills

• GCSE Maths