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For Companies At a Glance
- Tasks: Provide FCA-regulated debt advice and support customers in financial distress.
- Company: Sovereign Network Group helps customers thrive by providing essential housing and financial support.
- Benefits: Enjoy 25 days holiday, flexible working, and wellbeing perks like gym memberships.
- Why this job: Make a real impact by helping others regain financial stability in a supportive environment.
- Qualifications: Accredited or working towards Debt Advice accreditation with experience in FCA-regulated advice.
- Other info: Join a passionate team focused on inclusion and professional development.
The predicted salary is between 28800 - 43200 £ per year.
Job Description
At Sovereign Network Group (SNG), we believe in more than just providing homes – we're here to help our customers thrive. Our Debt Advice Team plays a vital role in supporting people to regain financial stability and resilience.
We're pleased to have an opportunity for a skilled Debt Advisor to join our team.
You'll follow our hybrid approach of home, office and resident visit working. Your office location will be either Bristol, Hurn, Basingstoke and Greenham.
The Role:
In this role, you'll provide FCA-regulated debt advice to our customers – including those in vulnerable situations. Helping them manage their finances, reduce outgoings, and maximise income. You'll work with customers over the phone, online, and face-to-face in their homes or communities, tailoring your support to their needs.
You'll manage a caseload, carry out detailed income and expenditure assessments, negotiate with creditors, and work closely with internal teams and external agencies to deliver positive outcomes. You'll also mentor less experienced colleagues, helping to shape our debt advice service for the future.
What you'll be doing:
- Delivering regulated debt advice in line with FCA guidelines.
- Supporting customers through financial challenges, including those with mental health conditions or disabilities.
- Negotiating with creditors and agencies such as local authorities, DWP, and utility companies.
- Maintaining accurate, compliant case records and ensuring data quality.
- Building strong, trust-based relationships with customers and partners.
- Signposting or referring customers to additional support where appropriate.
What we're looking for:
- Accredited (or working towards accreditation) in Debt Advice, e.g. Institute of Money Advisers CertMAP.
- Experience delivering FCA-regulated debt advice.
- Strong knowledge of welfare benefits, income maximisation, and arrears prevention.
- Excellent communication and negotiation skills, with the ability to adapt to different customer needs.
Desirable:
- In-depth knowledge of debt solutions, legislation, and best practice.
- Experience managing varied caseloads efficiently while maintaining compliance.
- Background in working with vulnerable customers in housing, financial, or advice services.
Your Benefits:
We have some great benefits at SNG, including:
- 25 Days Holiday Bank Holidays (with an extra day every year up to 30 days)
- Chance to buy or sell holiday as part of our flexible benefits package
- 3 additional Wellbeing days and 2 paid volunteering days
- Generous matched pension scheme up to 12% and Life cover at 4x salary
- Enhanced maternity/adoption pay
- Enhanced paternity pay – 6 weeks full pay (after 26 weeks' service)
- Options for private medical insurance, dental insurance and critical illness cover
- Wellbeing discounts, including Gym Memberships and access to a 24/7 virtual GP service
We offer flexible working, professional development opportunities, and a chance to be part of something meaningful. We're passionate about inclusion for all and creating a workplace where everyone can thrive.
Sound like your kind of role? Apply today to be considered!
Debt Advisor employer: SNG (Sovereign Network Group)
Contact Detail:
SNG (Sovereign Network Group) Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Debt Advisor
✨Tip Number 1
Familiarise yourself with FCA guidelines and regulations related to debt advice. Understanding these will not only help you in the role but also demonstrate your commitment to compliance during interviews.
✨Tip Number 2
Network with professionals in the debt advice sector, especially those who have experience working with vulnerable customers. This can provide you with insights and potentially valuable connections that could help you land the job.
✨Tip Number 3
Prepare to discuss real-life scenarios where you've successfully supported clients through financial challenges. Highlighting your problem-solving skills and empathy will resonate well with the interviewers.
✨Tip Number 4
Research Sovereign Network Group's values and mission. Tailoring your conversation to align with their focus on helping customers thrive will show that you're genuinely interested in being part of their team.
We think you need these skills to ace Debt Advisor
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Debt Advisor at Sovereign Network Group. Familiarise yourself with FCA guidelines and the specific challenges faced by customers in vulnerable situations.
Tailor Your CV: Highlight your relevant experience in delivering FCA-regulated debt advice. Emphasise your skills in communication, negotiation, and working with vulnerable customers. Make sure to include any accreditation or training related to debt advice.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for helping others regain financial stability. Mention specific examples from your past experiences that demonstrate your ability to manage caseloads and build trust-based relationships with clients.
Proofread Your Application: Before submitting, carefully proofread your CV and cover letter for any spelling or grammatical errors. A polished application reflects your attention to detail and professionalism, which are crucial in this role.
How to prepare for a job interview at SNG (Sovereign Network Group)
✨Understand FCA Guidelines
Make sure you have a solid grasp of the FCA guidelines related to debt advice. Familiarise yourself with the key regulations and how they apply to your role, as this will demonstrate your commitment to compliance and professionalism during the interview.
✨Show Empathy and Understanding
As a Debt Advisor, you'll be working with vulnerable customers. Prepare to discuss how you would approach sensitive situations with empathy and understanding. Share examples from your past experiences where you've successfully supported individuals facing financial difficulties.
✨Highlight Your Negotiation Skills
Negotiation is a crucial part of the role. Be ready to talk about your negotiation strategies and provide specific examples of how you've effectively negotiated with creditors or agencies in the past. This will showcase your ability to achieve positive outcomes for clients.
✨Demonstrate Your Knowledge of Welfare Benefits
Having a strong knowledge of welfare benefits and income maximisation is essential for this position. Brush up on the latest information regarding welfare benefits and be prepared to discuss how you can help clients navigate these systems to improve their financial situations.
