35 hours per week, working shifts based on the department opening hours of 8am-6pm Mon-Thurs, 8.30-5.30 Friday and Saturday 9am-12pm on rotation (once a month).
This role requires a minimum of 3 days per week to be worked from Head Office dependent on competence and business requirements.
£30,000 Per Annum
Thu, 30 Jul 2026
The salary for the role is between £30,000 and £33,400 PA dependent on skills and experience, and you will be required to work full time onsite for the first 2 months of training.
Big things are happening in our Homes Business. As we continue to help more people into homes, we're growing our Credit Management Team to ensure our customers receive the support they need - especially during life's more challenging moments.
We're here to help customers navigate financial difficulties and personal changes with empathy and expertise, to find the right solution for them and the Society. If you have a strong mortgage background, are customer obsessed and have a passion for helping people, we'd love to hear from you.
At Skipton, we're founded on fairness. We exist to do right by our members - and we believe that starts with doing right by our people. So, whoever you are and whatever you bring, there's a place for you here and a genuine plan for where you go next.
What You’ll Do
Our Credit Management team helps members navigate financial challenges with empathy and practical solutions. It's not always easy work - but it's some of the most important work we do.
Your key responsibilities will include:
Handling both inbound and outbound calls with a wide range of customers who may be struggling to make payments, and identifying customers with vulnerabilities so we can provide the right support
Taking individual customers circumstances into account to assess affordability and offer appropriate solutions, including referrals to outside support agencies
Accurately and promptly processing mortgage arrears administration, including taking payments and managing direct debit arrangements
Managing the delivery of the litigation and repossession action through the courts, ensuring all actions are appropriate, and liaise with Solicitors when required
Communicating with empathy when discussing customers’ situations, while securing the right outcome for both the customer and the Society
As a more experienced adviser, you will be acting as an escalation point for colleagues and be multi skilled across all mortgage types, dealing with complex accounts. You will also be dealing with the entire end to end arrears journey, having a full understanding of Litigation, Receivership and Debt Recovery.
What You’ll Need
Mortgage knowledge is great, but not essential. If you don’t have it, experience in a related credit / debt management role will make you a perfect fit.
We’re looking for individuals who have strong experience with vulnerable customers, and are experts in supporting customers experiencing financial difficulty. You’ll be customer obsessed, focused on providing a supportive environment where customers are listened to, heard, and given a great experience – even when things are tough.
You’ll need:
To be proactive and resilient to effectively support our members in challenging circumstances
The ability to work under pressure in fast paced environments, adapting and responding to various customer needs
Strong communication and listening skills, able to explain complex information in understandable ways
The ability to liaise with different stakeholders, from across the business and externally
To embody our behaviours framework – brave, accountable, curious and collaborative
What’s In It For You
Your work matters.
And the way we reward you matters, too.
At Skipton, we offer pay and benefits that really do make life better, together with a genuine thank you for making a difference.
Annual discretionary bonus scheme
25 days standard annual leave + bank holidays + rising 1 day per year of service to a max of 30 days
Matching employer pension contribution (up to 10% per annum)
Colleague Mortgages and access to Skipton products and services at discounted rates
Flexible working to help balance your commitments
Private medical insurance, health and wellbeing app, volunteering opportunities, cycle-to-work scheme, discounted gym memberships
Lifestyle perks such as a Home and Tech voucher, which can be used at John Lewis, Currys, and IKEA
We’re here to make life better for our members.
About Skipton.
Our story began in 1853 in Skipton, North Yorkshire. Today, you’ll find us across England and Scotland, from Aberdeen to Plymouth.
We help over a million members put down roots, save for what matters, and feel good about their money. As a mutual, they own us, so everything we do is for them. You'll feel that same fairness and purpose in how all 2,500 of our colleagues work together, too
It all means that life at Skipton is more exciting than you imagine.
What it's like to work here
Life at Skipton
We talk and we listen to each other. And we make decisions as a team. That way, you get all the support you need to do work that works for everyone.
For most of our roles there's the option of blended working, which means we mix working from home and meeting in person. The right balance depends on your role, and what works best for you, your manager, and your team.
We also value what everyone brings to Skipton. And we create a fair place where you can be yourself. Our colleague networks play a big role in this. They connect people with similar life experiences and make our workplace warm, friendly, inclusive and welcoming.
It’s not just our members who are important to us.
You are, too.
Lots of organisations talk about wellbeing, but they don’t always back it up. As a mutual, we put people first. And that includes the people who work here. So, when we say we care about your wellbeing, we mean it.
Wellbeing isn't just one thing. It’s about feeling good, having energy, and being able to be yourself and perform at your best. That’s why we offer help for your mental and physical health across five key areas.
What’s more, it’s help that you can actually use too - not just read about.
Apply now
Sounds like you? Then apply now.
You don't need to tick every box - we look for people who care about our members and who want to grow at the same time. The rest can follow.
