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- Tasks: Provide FCA-regulated debt advice and support customers in financial distress.
- Company: Sovereign Network Group is dedicated to helping customers thrive beyond just providing homes.
- Benefits: Enjoy 25 days holiday, flexible working, and a generous pension scheme.
- 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 36000 - 60000 £ per year.
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.
In this role, you\’ll provide FCA-regulated debt advice to our customers, including those in vulnerable situations. You\’ll help 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.
Requirements:
- 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.
Benefits:
- 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.
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Debt Advisor employer: Sovereign Network Group
Contact Detail:
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 interviews but also demonstrate your commitment to providing compliant and effective support to customers.
✨Tip Number 2
Network with professionals in the debt advice sector. Attend relevant workshops or webinars to connect with others in the field, which can provide insights into best practices and potentially lead to referrals for job opportunities.
✨Tip Number 3
Prepare to discuss real-life scenarios where you've successfully supported vulnerable customers. Highlighting your experience in managing varied caseloads and negotiating with creditors will showcase your skills effectively during the interview.
✨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 not just looking for a job, but are genuinely interested in contributing to their goals.
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 knowledge of welfare benefits, income maximisation, and your ability to manage varied caseloads efficiently.
Craft a Compelling Cover Letter: Use your cover letter to showcase your passion for helping others regain financial stability. Mention any experience working with vulnerable customers and how your skills align with the values of Sovereign Network Group.
Showcase Communication Skills: In your application, provide examples of your excellent communication and negotiation skills. Highlight situations where you've successfully built trust-based relationships with customers or partners, as this is crucial for the role.
How to prepare for a job interview at Sovereign Network Group
✨Understand FCA Guidelines
Make sure you have a solid grasp of the FCA guidelines related to debt advice. This will not only show your expertise but also demonstrate your commitment to providing compliant and effective support to customers.
✨Show Empathy and Understanding
Given that you'll be working with vulnerable customers, it's crucial to convey empathy during the interview. Share examples of how you've supported individuals in difficult financial situations, highlighting your ability to build trust and rapport.
✨Demonstrate Negotiation Skills
Prepare to discuss your negotiation experiences, especially with creditors or agencies. Be ready to provide specific examples of successful negotiations that led to positive outcomes for your clients.
✨Highlight Your Mentoring Experience
Since the role involves mentoring less experienced colleagues, be prepared to talk about any past mentoring or training experiences. Discuss how you've helped others grow and improve their skills in debt advice or related fields.
