Credit Controller

Billing Finance Limited; Northampton (MA); On-site; USD 45,000 - 65,000; Full time

Job summary

Billing Finance Limited is seeking a Credit Controller to support customers in managing their finance agreements. The role involves communicating with customers about their accounts, understanding their situations, and providing suitable solutions. Successful candidates will enjoy working in a compassionate environment committed to creating positive outcomes for customers.

Benefits

Discretionary bonus scheme

Electric Vehicle salary sacrifice scheme

Pension salary sacrifice scheme

Private Medical

Income Protection

Employee Assistance Programme

Qualifications

• Experience working in a role dealing with customers over the phone.
• Good understanding of financial solutions and customer needs.

Responsibilities

• Manage allocated accounts and contact customers about arrears.
• Liaise with debt management agencies and offer repayment solutions.
• Review customer credit files and respond to queries.

Skills

Strong IT skills

Communication

Customer service

Job description

• Are you a curious person who is comfortable asking questions?
• Have you previously worked in a role where you dealt with customers over the ‘phone?
• Do you have strong IT skills?

About the Role.

We’re now looking for someone to join us as a Credit Controller. This role involves supporting our customers on a day-to-day basis, answering questions that they may have as well as understanding why customers have fallen into arrears; ensuring that we provide them with the most appropriate solutions to help them to manage their finance agreement with us.

We are looking for someone who enjoys talking to customers and who is inquisitive. You’ll have strong communication skills and along with the rest of our Credit Control team, will focus on good customer outcomes; you’ll have the ability to recognise that sometimes, delivering the right customer outcome involves making those more difficult decisions where it is evident that the agreement is no longer affordable for the customer.

Responsibilities:

• Manage a daily queue system of allocated accounts.
• Contact customers where they have arrears via telephone, email, text and letter to determine their situation, primarily focused on obtaining payments or agreeing a repayment plan (where appropriate) in keeping with company policies and customer affordability.
• Offer alternative forbearance options to customers where a repayment plan/payment is not the right option for the customer.
• Respond to customer letters, text and email queries.
• Liaise with debt management agencies where appropriate.
• Take manual payments over the telephone.
• Take inbound calls from customers regarding their agreement.
• Liaise with other departments where necessary in order to effectively manage situations.
• Review customer credit files information.
• Any other adhoc duties

About Billing Finance

Billing Finance is a family-owned vehicle financing Company based on the outskirts of Northampton. We focus on customers with non-standard credit profiles that may not fit the automated underwriting processes of other lenders. Our mission is to help get all our people, including customers and staff “where they need to be” by “putting them at the heart of everything we do”. We are entering an exciting phase of transformation and as a small company, this role will offer the successful candidate the opportunity to work across the whole customer journey cycle, and to directly see the impacts that they made.

Our values are:

• We are responsible – We are conscious of our impact on people and planet
• We care about you – We are kind and compassionate with our customers and with each other
• We work with you – We support financial wellbeing for our customers and the wider community

The successful candidate will not only have a successful and fulfilling career with us but will also receive a fantastic range of benefits:

• Discretionary bonus scheme
• Electric Vehicle salary sacrifice scheme
• Pension salary sacrifice scheme
• Private Medical
• Income Protection
• Employee Assistance Programme

We currently have approximately 100 staff members, so if you want to join a Company that wants to make a difference then apply today!

The Recruitment Process and How We Will Use Your Data

The recruitment process will involve obtaining information and/or exchanging it with the following organisations to assist with our pre-employment checks prior to interview.

• Credit Reference Agencies – to complete a soft credit check to understand your financial history
• CIFAS – to check both National and Internal databases for fraudulent activity. The personal information we have collected from you will be shared with Cifas who will use it to prevent fraud, other unlawful or dishonest conduct, malpractice, and other seriously improper conduct. If any of these are detected, you could be refused certain services or employment. Your personal information will also be used to verify your identity. Further details of how your information will be used by us and Cifas, and your data protection rights, can be found herehttps://www.cifas.org.uk/fpn .

To complete these checks, you will be asked to provide your address history for the past six years, along with your full name and date of birth.

We may also ask for proof of your right to work status or evidence of any qualification or experience prior to being offered employment. Further information on how we collect and use your data during the recruitment process can be found in our Recruitment Privacy Policy herehttps://billingfinance.co.uk/privacy-policy/

Billing Finance is an equal opportunities employer, and we understand that for some candidates to perform their best they may need some reasonable adjustments. If we can make your application journey with us more suitable for you, please do let us know and we will endeavour to help.