Job Description

End Date Sunday 04 January 2026
Salary Range 0 - 0
Flexible Working Options Hybrid Working, Job Share
Summary Title: Credit Controller
Salary Range: 29,000 - 34,000
Location: Manchester
WORKING PATTERN: Our work style is hybrid, which involves spending at least four days per week, or 80% of our time, at one of our office sites.
Join us at Lloyds Living as we redefine what it means to manage property in the UK. We're on an ambitious journey to become one of the country's largest and most trusted landlords, creating vibrant communities and delivering exceptional living experiences. As we scale at pace, you'll be part of a dynamic team shaping the future of property management--where innovation, customer focus, and growth go hand in hand. This is your chance to make an impact and be part of something extraordinary.
The Credit Controller will manage credit control processes for Lloyds Living Property Management, ensuring timely collection of payments and maintaining strong client relationships. This role requires attention to detail, negotiation skills, and a proactive approach to debt management.

Key Responsibilities
Credit Control Management

• Monitor and manage outstanding debts across property portfolios.
• Ensure timely collection of payments and resolve discrepancies.
• Initiate and manage the debt recovery process, including issuing reminders and formal notices.
• Liaise with tenants, guarantors, and external agencies regarding outstanding debts.
• Provide support and guidance to tenants experiencing financial difficulties.
• Prepare regular arrears and aged debt reports for management review.
• Work closely with property managers and legal teams on escalated cases.
• Coordinate with solicitors or debt collection agencies for legal proceedings.

Stakeholder Communication

• Engage with stakeholders professionally to resolve payment issues.
• Negotiate repayment plans where necessary.
• Prepare and present to customer panel, making recommendations for reliance on discretionary grounds and other complex or sensitive cases.

Compliance & Reporting

• Ensure compliance with company policies and regulatory requirements.
• Maintain accurate records of all credit control activities.
• Track performance against collection targets and KPIs.
• Provide regular updates to senior management on arrears and recovery actions.

Essential Requirements

• Experience in credit control within property management sector.
• Experience escalating debt cases to debt collectors and legal proceedings.
• Strong negotiation and communication skills.
• Proficiency in Microsoft Excel.
• Ability to manage multiple accounts and meet deadlines.
• Experience drafting and optimizing processes.

Desirable Skills

• Knowledge of Qube PM or similar property management systems.
• Experience in handling complex client portfolios.

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%
• An annual performance-related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 24 days' holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies

About working for us
Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We're committed to creating a consciously inclusive workplace where our colleagues can be themselves, thrive and perform at their best. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.
As an inclusive employer, we offer Workplace Adjustments for colleagues with a disability (which may include long-term health and neurodivergent conditions) where it is reasonable to do so. This could include flexibility with regards to office attendance, location, and working pattern. If you'd like an adjustment to the recruitment process just let us know.
If you're excited by the thought of becoming part of our team, get in touch. We'd love to hear from you.
At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

Skills Required