Arrears Specialist
Employer: Target
Location: Fully Remote, UK
Working hours: 7.5 hours between 8am and 8pm (Mon-Thurs) and 8am - 6pm (Fri). Requirement to work 1 in 3 Saturdays from 9am to 2pm
Salary: £29,000 per annum
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Arrears Specialist
Fully Remote | £29,000 per annum
Shift Hours = 7.5 hours between 8am and 8pm (Mon-Thurs) and 8am - 6pm (Fri). Requirement to work 1 in 3 Saturdays from 9am to 2pm
Start Date: 18th May
We’re looking for a supportive, approachable and confident Arrears Specialist to join our team. In this role, you’ll be speaking with customers who are going through financial difficulties and helping them understand their options. Your aim is simple: make things clearer, take away some of the worry, and guide them towards a plan that genuinely works for them.
You’ll handle inbound and outbound calls across our Recoveries and Assessments & Vulnerable Customers teams. Every conversation is different, but your focus is always on doing the right thing for the customer — and getting it right first time.
What You’ll Be Doing
Having honest, helpful conversations with customers across phone and email
Making sure every customer receives a fair and positive outcome
Spotting when someone is in financial difficulty and pointing them towards the right support
Completing income & expenditure assessments to understand what they can realistically afford
Agreeing sustainable payment plans
Using the right tools and forbearance options to help customers get back on track
Recognising when a customer is vulnerable and responding appropriately
Handling complaints calmly and professionally
Following our processes and staying compliant
Working towards key performance measures such as quality, behaviours and reducing avoidable issues
Requirements
What You’ll Bring
A real passion for helping customers
A calm, reassuring phone manner
Resilience and confidence when handling challenging situations
The ability to work well in a busy, fast‑paced environment
Your Experience
Background in Financial Services
Recent experience in collections and/or debt recovery
Understanding of MCOB regulation and working within a regulated environment
Awareness of customer vulnerability and the TEXAS model
Experience applying forbearance options OR experience in underwriting
CeMAP (nice to have, not essential)
Benefits
Why join us?
A varied, interesting workload across multiple clients and products
A supportive team culture that values individuality and wellbeing
A chance to contribute directly to risk management and customer protection
Opportunities to grow your knowledge and progress your career
Regular feedback, recognition and development support
We also offer industry leading benefits including:
Competitive Salary of £29,000 per annum
30 days holiday entitlement plus bank holidays
Defined Pension Contribution Scheme (Employer matched up to 6%). Plus, option to contribute via Salary Exchange (alternatively known as Salary Sacrifice)
Employee Discount Scheme, access to discounts and offers across 100s of leading retailers. Plus, cashback on purchases
Company Paid Private Medical Insurance (benefit in kind)
Group Life Assurance
Group Income Protection
Discretionary Annual Pay Review
Discretionary Annual Bonus Scheme
Loyal Service Scheme
Help@Hand – Confidential access to health and wellbeing support to include Employee Assistance Program
Free Flu Vaccinations, Eye Tests and employer contribution towards glasses
Recognition Scheme
Free Mortgage Advice and Support
Wisdom Wellbeing, your go to for wellbeing resources and solutions
Everest Funeral Concierge
Free Bereavement and Probate Advice and Support
Access to a GP 24 hours a day, 7 days a week, 365 days a year through GP24
Paid eye tests and employer contribution towards spectacles specifically for VDU use.
You can also select other benefits, we cover the upfront cost and make monthly deductions from your pay, interest free!
Technology Buying Scheme
Discounted Gym Memberships
Taste Card / Coffee Club Membership
Charitable Payroll Giving
Cycle to work Scheme (Salary Sacrifice)
If you’re ready for a role where accuracy, ownership and teamwork truly matter — we’d love to hear from you
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