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Collections Agent

4 months ago


Cardiff, Cardiff, United Kingdom Equiniti Full time

COMPANY BACKGROUND:


Equiniti Credit Services Limited, headquartered in Leeds, West Yorkshire, provides technology and processing services to the UK lending industry, with a key focus in unsecured, consumer lending and retail and motor point-of-sale finance verticals.

We helpour clients solve complex business challenges such as attraction and retention of clients, balancing risk and maximising efficiency and value, all through the deployment of our innovative technology and proven business processes.


With clients at the very forefront of the UK lending industry, the company is well positioned to exploit established and emerging lending markets.


Business Function:


This role will be working on the Homes England help-to-buy scheme accounts, ensuring that customers who fall into arrears are contacted and rehabilitated.

You will be responsible for efficient and timely collections activity maintaining a pro-active collections strategy. This involves telephoning and discussing with customers queries and problems with the repayment of their account.

KEY RESPONSIBILITIES:

  • Respond to all enquiries, whether received by telephone, in writing, efficiently and in accordance with the Group's Collections Policies.
  • Utilise a suite of initiatives, successfully identify long term solutions that meet both the need of the customer and the business, seeking support and guidance where necessary.
  • Ensure all solutions agreed with the customer are sustainable and take into consideration the customers personal circumstances.
  • Adhere to our Call Model principles during all contact with the customer, displaying a continued improvement and ensuring an appropriate result for the customer and the business is achieved in all calls.
  • Ensure compliance with all statutory and regulatory requirements for mortgage arrears with particular emphasis on treating customers fairly (TCF). Ensure all work is carried out in line with the applicable regulatory and legislative requirement.

Knowledge & Experience:

A minimum of 12 months experience, working within collections, financial services or Mortgages;
Deep understanding of the regulators including ICO, FCA. OfCom;
Experience in communicating effectively

Must be confident, flexible, independent and self-motivated.

Skills:

You should be:

Presentable and articulate with the ability to interact with people at all levels;
A fast learner with the ability to acquire knowledge swiftly, work with the knowledge and pass it on as necessary;
Able to overcome objections and conflicts, proposing suitable methods of rectification;
Dependable and trustworthy;
Adept at building strong relationships, with the ability to ingrate into an existing team;
Detail orientated with the ability to work methodically;
Able to prioritize tasks and workload to meet tight deadlines in a frequently changing environment;
Able to work proactively under your own initiative;
Adept at solving problems and possess strong analytical skills

Attitude:
Self-Managing, Self-Motivated, Flexibility, Team Working, Commitment Management, Time Management; Positive and Enthusiastic

Attitude:

Self-Managing, Self-Motivated, Flexibility, Team Working, Commitment Management, Time Management; Positive and Enthusiastic.

Training & Education _(Qualifications/vocational training required)_

GCSEs in Maths and English C or above;

EQ Benefits
Being a permanent member of the team at EQ you will be rewarded by our company benefits, these are just a few of what is on offer:

  • 28 days + 8 bank holidays. Option to buy more days through salary sacrifice.
  • A cash payment annually towards flexible benefits, e.g., dental insurance, gym membership, the above extra holiday etc.
  • 4 x Life Assurance.
  • Company sick pay (2 months full pay, 2 months half, following probation).
  • Matched pension scheme (e.g., you pay in 6%, EQ pay in 6%), up to 10% each side (20% in total).
  • Discounts with major retailers (EQ Wins).
  • Maternity or adoption leave of 3 months full pay, with returntowork bonus / 2 weeks paid paternity leave.
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