Job Description

Join Our Mission to Make Money Work for People, Not Profit!

Role: Credit Controller (Part Time - 16 hours per week)

Location: West Cheshire Credit Union, Chester

West Cheshire Credit Union (WCCU) is a not-for-profit financial co-operative, owned and run by its members. We're passionate about providing fair, affordable, and ethical financial services to our local community -- helping people save securely and borrow responsibly.

We're now looking for a Credit Controller to join our small, dedicated team. If you're motivated by purpose as much as performance, this could be the perfect role for you.

About the Role

As our Credit Controller, you'll play a key part in supporting the financial wellbeing of our members by:

Managing and monitoring member loan repayments

Communicating with members to agree manageable repayment plans

Maintaining accurate records and following established credit control procedures

Working collaboratively with the wider team to promote positive financial outcomes

This is a part-time role (16 hours per week), with flexibility around how those hours are worked.

About You

We're looking for someone who is:

Empathetic and professional, with great communication skills

Confident handling sensitive conversations with tact and care

Organised and detail-oriented, with experience in credit control, collections, or finance administration

Passionate about community finance and making a difference

Experience in financial services, local government, or community organisations is desirable -- but above all, we value your integrity, compassion, and commitment to doing the right thing.

Why Join WCCU?

Be part of a friendly, values-led team that truly cares

Help local people access fair financial support

Enjoy flexible working hours that fit around your life

Contribute to a growing, forward-thinking community organisation

If you want your work to mean more than just numbers,

1. Reporting Line:

a) Reporting to the West Cheshire Credit Union General Manager

2. Role Summary:

b) Responsible for the management of the credit control of members accounts, with the aim to ensure recovery processes are in place to recoup outstanding arrears.

3. Staff Responsibility:

c) This post holds no responsibility for staff.

4. Key Responsibilities:

a) Manage and monitor the oversight of the West Cheshire Credit Union active loan portfolio.

b) Communicate with defaulting members via telephone, email or face to face when required.

c) Liaise with courts or employers to action any necessary recovery via County Court Judgement or Attachment of Earnings.

d) Update systems and diary notes to ensure members default situation is clear and concise.

e) Report regularly the level of debt outstanding to the Finance Director and General Manager.

f) Bring to attention to the Office Manager any specific warnings or those members who maybe entering difficulty with repayments.

g) Work with external debt agencies to negotiate repayment terms and sums when customers enter a DMP.

h) Discus and liaise with organisations clients who enter Individual Voluntary Arrangements or Debt Relief Orders.

i) Develop procedural manuals relating to credit control procedures and ensure updated on a regular basis.

j) Submit for approval write off accounts to the Finance Director and General Manager.

k) Keep accurate and up to date records relating to all defaulting customers, past and present.

l) Maintain a focus on recovering debts which may have previously been written off.

m) Perform clerical duties to ensure members accounts are updated daily.

n) Comply with any necessary guidelines regarding Treating Customers Fairly or vulnerability matters.

o) Work in collaboration with Loan Services Administrator and Loan Officers to bring to attention any concerns relating to new / existing loan applicants.

p) Assist when required to deliver member services duties, including supporting front desk, email and telephone activities.

5. General:

a) Ensuring General Data Protection Regulations are followed, and any breaches reported directly to the General Manager

b) Abide by any confidentiality rules / guidelines as laid out by West Cheshire Credit Union

c) Work within the parameters of published Health and Safety Guidelines

d) Report any suspicions of Money Laundering are reported swiftly and in accordance with the internal Anti Money Laundering Policy

e) To undertake such duties as required by the nature and interests of the business as required by the General Manager or Board of Directors.

Job Type: Part-time

Pay: From 10,483.00 per year

Expected hours: 16 per week

Benefits:

Company pension
Work Location: In person