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Customer Operations Executive - Mortgage Servicing
Cardiff | Hybrid - three days on site | Permanent, full-time, 37.5 hours per week
£30,000 salary + 10% bonus, healthcare and pension
Vargo is recruiting a Customer Operations Executive for a specialist mortgage lender in Cardiff. You will support customers throughout the life of their mortgage, combining clear communication with accurate account management and a practical approach to finding the right outcome.
The role
- Handle customer enquiries across phone, email and other service channels.
- Support customers experiencing financial difficulty or vulnerability, assessing their circumstances and responding with care.
- Maintain accurate customer records and manage servicing requests from customers and third parties.
- Work within regulatory requirements and company procedures to deliver fair customer outcomes.
- Contribute to service targets and improvements to the customer experience.
What you will bring
- Customer servicing or collections experience in regulated financial services.
- Clear communication, sound judgement and confidence handling sensitive customer conversations.
- Strong organisation, attention to detail and confidence using CRM systems and Microsoft Office.
- A secured lending or mortgage background would be particularly useful, including first or second charge products.
- CeMAP would be an advantage but is not essential.
Apply
For more information, please contact Tom Miller at Vargo Group on 07901913560 or email tom.miller@vargogroup.co.uk.
Please note: Our client is unable to offer VISA sponsorship for this position. All applicants must have full right-to-work in the UK in order to be considered.
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Job Description // Business Analyst Location: Hybrid / Client Site (UK Public Sector), Liverpool & London
Company: Empyrean Digital
Salary: £50,000 pa
About Empyrean Digital Empyrean Digital partners with public and private sector organisations to design and deliver impactful, user-centred digital services. We combine strategy, service design, governance and delivery expertise to help clients solve complex problems and improve outcomes for citizens. We work at the heart of major transformation programmes, supporting organisations to design services that are inclusive, sustainable and aligned to Government Digital Service (GDS) standards.
The Role We are seeking an experienced Business Analyst to support large, complex public sector service transformation programmes. The successful candidate will work within multidisciplinary teams to define business needs, capture and manage requirements, and ensure alignment between user needs, policy intent, operational processes and technical solutions. You will play a key role across discovery, alpha, beta and live phases, ensuring clarity, traceability and value throughout delivery. This role requires strong analytical capability, stakeholder engagement skills and experience operating within GDS-aligned environments.
Key Responsibilities Business Analysis & Requirements Management
• Lead requirements gathering across complex service environments. • Elicit, analyse and document functional and non-functional requirements.
• Translate user research and policy intent into actionable business requirements. • Develop user stories, acceptance criteria and process documentation. • Maintain traceability between requirements, delivery outputs and benefits.
Service & Process Design Support • Map current and future state processes across digital and non-digital services. • Identify gaps, risks and opportunities for improvement. • Support service blueprinting and operating model design alongside service designers. • Ensure business processes align with GDS service standards and user-centred
principles.
Stakeholder Engagement • Facilitate workshops and stakeholder interviews across operational teams, policy leads
and senior management. • Build strong working relationships across delivery, digital, policy and governance
functions.
• Support clear and effective communication of requirements and impacts to diverse audiences.
Delivery & Governance Support • Work within agile, multidisciplinary teams during discovery, alpha, beta and live phases. • Support backlog development and prioritisation with Product Managers. • Contribute to programme governance by providing accurate documentation and impact
assessments. • Assist with preparation for GDS service assessments and other assurance reviews.
Essential Experience
• Experience working as a Business Analyst within complex public sector programmes.
• Strong understanding of GDS Service Standard and digital delivery lifecycle (Discovery, Alpha, Beta, Live).
• Experience working in agile delivery environments.
• Skilled in requirements elicitation, process mapping and stakeholder facilitation. • Strong analytical, documentation and communication skills. • Ability to manage competing priorities and work in ambiguous environments. • Knowledge of accessibility and inclusive design principles
What We Offer
• Opportunity to shape high-impact public services. • Exposure to major government transformation programmes. • Collaborative and values-driven culture. • Professional development and leadership opportunities.
At Empyrean Digital, we are committed to designing services that genuinely improve citizens’ lives. If you are passionate about service design, systems thinking and public sector transformation, we would love to hear from you
Appendix // About Us Coming together in 2017, the Empyrean Digital team combines years of experience in bringing value to mutual clients and responding to a clear market need for pragmatic, agile and experienced digital support. As our client’s digital partner, our blend of strategic, technical, commercial, and product expertise will transform their services in a ground-breaking way. We are dedicated and demand quality, knowing we win or lose on the strength of our feedback. Team Culture At empyrean digital, our ambition is to attract, develop and retain a diverse and talented team by: • supporting a broad range of amazing clients • undertaking interesting and ambitious projects • building our own suite of products that add real value • creating a real sense of team Our team culture is at the heart of what we do and who we are at empyrean digital. We want to grow a team which embodies the following values and pulls together to deliver a world-class service for clients. • Curious // You are inquisitive and dig a little deeper to win. • Driven // You are dedicated and demand quality, with an infectious hunger for excellence
that inspires others.
• Collaborative // You are honest and transparent, admit mistakes and proactively seek different perspectives.
• Brave // You trust your instincts, are open to possible failure and are prepared to make the right call for customers, every time.
ADAGE CREDIT
|
ROLES AND REPONSIBILITIES |
|
Job Title |
Customer and Loan Account Administrator |
Position Type |
Full-time |
|
Department |
Loan Operation and Underwriting |
Supervisor/To report to |
Customer and loan Account Manager |
|
Location
|
London |
Supervisor Name |
Essiya Muzumu |
|
About Us |
Adage Credit is a mission-driven consumer lender operating as a social enterprise dedicated to championing financial inclusion in the UK. We focus specifically on bridging the gap for individuals and communities who are significantly underserved by traditional banks and mainstream lending companies.
Our core purpose is to provide accessible and responsible financial solutions, particularly for those at the grassroots level and within minority ethnic groups who experience systemic exclusion from the financial system. We offer short-term personal loans (typically from £100 to £1,000) that serve as a fair alternative for immediate financial needs.
By combining ethical lending practices with a deep commitment to community support, Adage Credit empowers our customers to manage their finances effectively, access credit responsibly, and take steps toward long-term financial stability.
|
Skills ans Experience required |
Strong, dynamic positive person with a can-do approach, and interest in the financial or risk industries with a long-lasting, successful career.
Enthusiastic individual to join our team as a Customer and Loan Account Assistant Manager to join our friendly and growing business.
Expected to be a strong communicator with good interpersonal skills, be proficient in using CRM software, and have a keen interest in the consumer credit industry.
The role involves underwriting, managing customers, loan applications, answering calls, and providing excellent customer service and utilizing tools such as Hubspot and Microsoft excel.
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Duties |
Responsible of loans and customers in the Birmingham.
Day-to-day managing consumer loans and repayment process, including conducting pre-analysis, checking consumer credibility and trustworthiness, data entry, customer point verification (CPV), and reviewing affordability in line with the customer credit policy and procedures.
Daily, weekly and monthly analysis and reporting on senior manager on all loan completions and new loans.
Promote the business to friends and family using word-of-mouth, and encouraging customers to bring prospect clients.
|
Onboarding customers |
- Review and respond to new loan applications promptly.
- Follow procedure to determine whether to make a loan to a customer.
- Approved loan applications in line with the underwriting Manager.
- Interview loan applicants, understand their needs, collect and review information, and define eligibility for loan application decision.
- Assist digital shy’s clients in completing open banking and access portal procedures.
- Respond to customer queries and provide guidance throughout the loan application process, and resolve any loan-related issues.
- Establish customer loan payment plans based on individual circumstances.
- Advice customer on next steps
- Rejected loan applications and explain deficiencies to applicants.
- Support and guide rejected customers on; building credit profile, use of benefit calculator, and money advice.
|
Customer relations |
- Interact with customers on a daily basis to address inquiries and provide assistance.
- Follow up with customers who have incomplete applications or late payments.
- Document key traits of declined customers for future reference.
- Utilize HubSpot or other CRM to deliver personalized customer emails with advice and latest offers.
- Manage client accounts, loan accounts, and payment accounts efficiently.
|
CRM |
- Use CRM for effective customer relationship management and communication.
- Collaborate with the team to integrate marketing efforts with the CRM system.
|
Team collaboration |
- Work closely with team members to share updates and information regarding loan applications.
- Contribute ideas and perspectives to enhance the loan process and customer experience.
|
Goal achievement |
- Meet set goals and targets related to loan applications and customer satisfaction.
- Contribute to the overall success of loans issued by the company.
|
Job Requirements and Soft Skills Necessary |
- Proficiency in loan software and CRM systems.
- Previous experience in loan management or a related field.
- Ability to set up or plan to do list
- Strong time management, organizational, and negotiation skills.
- Excellent social and communication skills, both verbal and written.
- Ability to adapt to various financial software and tools.
- Fluent in writing English, Microsoft Excel for data reporting and analysis.
- Knowledge and understanding of HubSpot CRM preferred.
- Interest or experience in the loan industry is beneficial.
- Excellent team collaboration and good motivational skills.
- Prospecting and segmenting customers, direct and internal Marketing skills
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Attributes |
- Proactive and detail-oriented approach to work.
- Self-motivated with a strong focus on achieving goals.
- Excellent organizational and time management skills.
- Ability to work effectively in a close-knit team environment.
Business Development Manager South West England
The STAR Asset Finance Group has brought together four leading independent asset finance businesses, with unrivalled experience of their markets, to enhance the genuine local service valued so highly by SMEs, with the many benefits of national scale. We have exciting plans for rapid expansion, which will see an increase of market share in existing regions, as well as the establishment of a stronger presence along the M5 corridor (Devon, Somerset, Avon and Gloucestershire) and across South Wales. This is a fantastic opportunity to join our team and assist our thriving Sales team!
THE BENEFITS We offer a competitive salary range for this full-time position, dependant on experience. The role comes with a great benefits package too. This includes:
◦ Enhanced holiday entitlement (25 days + Bank Holidays) ◦ Salary exchange company pension scheme ◦ Group life assurance ◦ Private medical insurance ◦ Other enhanced policies ◦ EAP app and phoneline support ◦ Many other great benefits
THE ROLE To increase sales opportunities and thereby maximise revenue to the Company by building key customer relationships, identifying new business opportunities, negotiating and closing business deals and maintaining extensive knowledge of current market conditions.
Duties will include ◦ Cold call/ prospect for potential new business and turn this into increased business; identifying the decision makers
within the company in order to build a pipeline of opportunities ◦ Handle objections by clarifying, emphasising agreements and working through differences to a positive conclusion;
using a variety of styles to persuade or negotiate appropriately ◦ Plan approaches and pitches that can address the customer needs, concerns, and objectives ◦ Support the Sales Director/ Sales Manager with any marketing initiatives to generate new business e.g. mail shots,
customer calls, dealer visits, etc. ◦ Identify new opportunities for sales through campaigns and new distribution channels that will lead to an increase in
sales ◦ Any other responsible tasks as requested by your manage ◦ Take initial enquiry dealers from customer or supplier; provide quote and process on the system ◦ Package proposals to send to funder and follow up as appropriate ◦ End user calls where relevant ◦ Use knowledge of the market and competitors to identify and develop the company's unique selling proposition and
differentiators ◦ Ensure supplier lists are updated on a regular basis ◦ Participate in all mandatory training as requested ◦ Embed the conduct rules into all aspects of the role ◦ Keep up to date with compliance regulation updates including any changed within your role
ABOUT YOU To be considered for our Business Development Manager roles, you will need:
◦ Strong sales focus and highly motivated to achieve targets ◦ Good business sense and an understanding of market principles ◦ Excellent communication and negotiation skills ◦ Well organised and able to work on own initiative ◦ A positive attitude and resilience to cope with set backs
Registered Office: Kennet House, Temple Court, Coleshill B46 1HH
t: 01675 469200
ASSISTANT GROUP FINANCIAL ACCOUNTANT
BUSINESS DEVELOPMENT MANAGER - SOUTH WEST
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Star Asset Finance are an equal opportunities employer, value diversity and are strongly committed to providing equal employment opportunities for all employees and all applicants for employment. Equal opportunities are the only acceptable way to conduct business and we believe that the more inclusive our environments are, the better our work will be. We promote equality of opportunity and are committed to ensuring that no individual is discriminated against on the grounds of age, disability, gender reassignment, marriage or civil partnership status, pregnancy and maternity, race, religion or belief, sex or sexual orientation.
APPLYING Send your up-to-date CV to careers@starassetfinance.com.
Registered Office: Kennet House, Temple Court, Coleshill B46 1HH
t: 01675 469200
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Job Title: Business Development Manager (Asset Finance)
Salary: Up to £44k + car allowance + uncapped monthly commission
Location: South Wales
Vargo is hiring for a dynamic asset finance funder offering hire purchase and leasing services to SMEs across the UK. This role will address the rising demand for asset finance from SMEs and brokers in the South Wales and Southwest regions.
Responsibilities:
- Generate leads through your introducer network
- Structure and agree on initial facility terms
- Submit facility proposals to underwriters
- Attend client meetings for document signing
- Coordinate with operations to ensure a smooth onboarding process
- Present a professional first-line impression to external stakeholders
- Operate effectively from day one with minimal supervision
Requirements:
- Several years’ experience within the asset finance sector
- Established broker relationships and a strong understanding of industrial equipment and vehicles
- Target-driven with strong planning skills and the ability to manage high activity levels and engagement strategies
Benefits:
- Car allowance – £350 per month
- Private medical (after 6 months)
- 25 days’ annual leave + bank holidays
- Birthday off
- Christmas & New Year – fully paid time off
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Pensions Administrator
Peterborough
£30,000 + Bens
Full time, on site
Role purpose: Senior hands-on administrator who coordinates the team's daily pensions and investment workload, maintains SLA performance, supports and coaches colleagues, quality-checks work, and serves as the first escalation point.
Key responsibilities:
- Allocate and prioritise workloads according to capability and experience
- Monitor progress and ensure SLA delivery
- Resolve complex queries, client issues, and processing exceptions
- Quality-check work and provide constructive feedback
- Coach, mentor, cross-train, and support new starters
- Process and check product and investment administration
- Manage queries from clients, IFAs, and product providers
- Maintain procedures and recommend process improvements
- Produce MI and SLA reporting, highlighting risks and bottlenecks
- Support client onboarding and internal projects
- Deputise for the Operations Team Leader
Must-have experience and qualifications:
- Previous administration experience - explicitly essential
- Experience organising, allocating, and overseeing team workloads
- Strong written and verbal communication
- Ability to manage competing priorities in a busy, SLA-driven environment
- Excellent organisation and attention to detail
- Working knowledge of Microsoft Office, particularly Excel
- Maths and English GCSE Grade C or above, or equivalent
Desirable criteria: Financial-services administration exposure, process improvement, MI reporting, and experience handling escalations desirable. No specific pensions qualification needed.
For more information, please contact Tom Miller at Vargo Group on 07901913560 or email tom.miller@vargogroup.co.uk.
Please note: Our client is unable to offer VISA sponsorship for this position. All applicants must have full right-to-work in the UK in order to be considered.
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Vargo is recruiting on behalf of a growing and ambitious asset finance brokerage seeking an experienced Asset Finance Broker to join its expanding team.
This is an exciting opportunity for a commercially driven professional to become part of a business at a key stage of its growth. Working closely with the leadership team, you
will play an important role in driving business development, building introducer relationships, and contributing to the continued success of the organisation.
The successful candidate will be responsible for generating new business opportunities, managing client and introducer relationships, and overseeing
transactions from initial enquiry through to payout. This role would suit someone who enjoys developing long-term partnerships and delivering outstanding outcomes for
customers and funding partners.
Responsibilities
• Develop and maintain strong relationships with customers, introducers, and funding partners.
• Generate new business opportunities through networking, referrals, and business development activity.
• Manage the full sales cycle from initial enquiry through to proposal, approval, and payout.
• Identify suitable funding solutions for clients across a wide range of asset finance products.
• Build and grow a portfolio of profitable business.
• Work collaboratively with internal stakeholders and lending partners to achieve successful outcomes.
• Maintain a high level of customer service throughout the funding process.
• Represent the business at meetings and industry events across the Bristol and Bath region.
Skills & Experience
• Proven experience within the Asset Finance sector.
• Strong sales and business development background with a track record of achieving and exceeding targets.
• Demonstrated ability to write profitable and sustainable business.
• Experience managing transactions from enquiry through to completion.
• Established introducer relationships and industry contacts would be advantageous.
• Excellent relationship-building, communication, and negotiation skills.
• Self-motivated, commercially minded, and capable of working independently.
• A desire to contribute to the growth and long-term success of a developing business.
Benefits
• Realistic on-target earnings of £100,000+.
• Access to a broad panel of lending partners.
• Existing introducer opportunities and referral streams.
• Ongoing training, support, and professional development.
• Modern systems and technology to support success.
• Significant opportunities for career progression.
• The chance to make a meaningful impact within a rapidly growing brokerage.
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Lending Manager
Help ambitious businesses access the finance they need to grow
Location Hastings /Hybrid (depending on experience remote workers may be considered)
Salary Competitive + Attractive Benefits
Contract Full Time
Team Let’s Do Business Finance
At Let's Do Business Finance, we're passionate about helping start-ups, entrepreneurs, small businesses and social enterprises access the funding they need to succeed. As a responsible lender delivering government-backed and alternative finance solutions, we're looking for a skilled and motivated Lending Manager to join our growing team.
This is an exciting opportunity for an experienced finance, lending or banking professional who enjoys working directly with entrepreneurs, assessing business opportunities and making a real difference to local economies.
The Role
As a Lending Manager, you will manage loan applications from enquiry through to decision. You will assess business plans, accounts, cashflow forecasts and supporting information, prepare clear credit recommendations, and ensure lending decisions are made in line with scheme policy, credit requirements and compliance standards.
You will also act as a trusted point of contact for applicants, helping them navigate the lending process while maintaining excellent service standards and strong working relationships with referral partners.
What You'll Be Doing
• Assess loan applications from start-ups and early-stage businesses. • Review business plans, financial accounts, management information and forecasts. • Analyse affordability, viability, repayment capacity and lending risk. • Prepare clear, high-quality credit reports and recommendations. • Complete due diligence, compliance and credit checks. • Communicate with applicants to progress cases efficiently. • Manage customer relationships and maintain accurate CRM records. • Build referral relationships and support business development activity that generates
quality lending opportunities.
What We're Looking For
We are looking for someone with a strong commercial mindset, sound judgement and the ability to balance careful credit assessment with excellent customer service.
You will ideally have:
• Experience in lending, underwriting, banking, business finance, credit management or a related financial services role.
• Strong financial analysis skills, including an understanding of SME accounts and cashflow.
• The ability to assess risk and make evidence-based recommendations.
• Excellent communication and relationship management skills.
• Strong organisational skills and the ability to manage multiple cases at once.
• Confidence using CRM systems and Microsoft Office applications.
We are, however, still interested in hearing from applicants who may have some but not all of the above skills and qualities we are looking for.
Why Join Us?
At Let's Do Business Finance, you'll be joining an ambitious and high growth organisation with a genuine social purpose. Every loan you help deliver supports entrepreneurs, creates opportunities and contributes to economic and social growth within local communities.
In return, you will benefit from:
• Meaningful work with tangible impact.
• A supportive and collaborative team.
• Professional development opportunities.
• Exposure to a wide range of businesses and sectors.
• The opportunity to build a rewarding career in responsible business finance.
How to apply
If you are passionate about responsible lending and have the skills to assess business finance opportunities with confidence, we would love to hear from you.
Please forward your up to date CV along with a covering letter to explain why you are interested in this position and what skills and experience you can bring to the role to mike.trotter@ldbgroup.co.uk
Apply today and help shape the success of the businesses of tomorrow.