Tandem Bank
Arrears Executive (Mortgage Litigation)
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Arrears Executive (Mortgage Litigation)
Working Pattern: 36.25 hours per week, Monday to Saturday between 8 am to 7 pm (with a 45-minute lunch break). Saturday shifts take place on the last Saturday of each month (9:00 AM to 12:00 PM), worked remotely from home.
Salary: Up to £37,000, with up to 20% bonus and benefits
Location: Fully UK remote or hybrid, with the option to work from any of our vibrant UK offices in London, Cardiff, Durham, or Blackpool.
About Tandem
💚 Shaping the future of sustainable digital banking Launched in 2014, Tandem is one of the UK’s original challenger banks and is proudly headquartered in the Northwest, with over 500 employees working across the UK.
Why join us?
- Meaningful impact: Use your skills to create products that empower financial decisions and reduce environmental harm.
- Growth & recognition:
- Sunday Times Best Places to Work (2024 & 2025)
- Sunday Times 100 Tech list (2025 & 2026)
- Investor in Customers’ Gold Standard certification
- Certified™ Great Place to Work®
- Culture of collaboration, diversity, and purpose. Every voice matters here.
The Role
Team
Collaborators in change: Tandem fosters a workplace where diverse experiences and backgrounds lead to a unique culture that benefits both employees and customers.
Key Responsibilities
As an Arrears & Litigation Executive (Later Arrears), you will:
- Handle later-stage arrears cases for mortgages and motor finance, focusing on fair customer treatment.
- Support Operations Leaders in managing customers facing financial difficulty while meeting service level targets.
- Ensure compliance with FCA rules (MCOB, CONC), Company standards, and regulatory obligations.
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Key Duties:
- Proactively manage inbound/outbound customer interactions (phone, email, portals, third parties).
- Prepare and issue regulatory documentation (e.g., FCA-compliant arrears letters) accurately.
- Identify and refer specialist cases (complaints, vulnerability, fraud).
- Gather and analyse income/expenditure data to determine suitable forbearance options.
- Conduct arrears negotiations, prioritising repayment plans tailored to individual circumstances.
- Uphold FCA Complaints Handling and Treating Customers Fairly (TCF) principles.
- Maintain competence under Group Training & Competence Framework.
- Challenge existing processes and propose improvements within your scope.
- Stay updated with regulatory/commercial changes to ensure compliance.
What We’re Looking For
Ideal candidates will have:
- Proven experience in managing later-stage arrears/mortgage litigation (including motor finance repossessions).
- Financial services expertise with a strong knowledge of FCA (MCOB, CONC), Fair Trading, CCA, and GDPR.
- Demonstrated customer service & vulnerability awareness in a regulated lending environment.
- Ability to handle complex cases, draft legal documentation, and set realistic exit strategies.
- A deep understanding of arrears forbearance and litigation processes.
Preferred:
- Experience with mortgage arrears & litigation cases.
What’s in It for You?
At Tandem, our enhanced benefits package prompts our determination to make your work rewarding in more ways than one:
Standard Benefits:
- 25 days’ annual leave + 8 bank holidays
- 1 extra ‘celebration day’ (birthdays, weddings, etc.)
- Flexible holiday buy/sell (up to 5 days per year)
- Healthcare cash plan (Westfield Health)
- Life assurance (3x salary)
- Pension contribution (salary sacrifice) – 4% from the employee, 4% matched by Tandem (eligibility subject to salary*)
- Electric Vehicle & Cycle to Work salary sacrifice schemes
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Exclusive Perks:
- 10% discount on solar panels
- Smart Tech cashback scheme (0% interest)
- Dedicated pension admin and an extra addition of £1,700 annual bundled pension.
- Tandem Hub for cashback & discounts (UK retailers)
- 2 paid volunteering days
- Free drinks, snacks, and breakfast in office
- Quarterly team social budgets
Green Deal (Ambition + Reward):
- Volunteer 14.25 hrs/year → Extra half-day Friday off
- Take part in a fundraising event → Tandem matches up to £200
- Switch to renewable home energy → Additional 1-day annual leave
- Drive an EV? Get £500 to install a home charger
- Use public transport/hybrid? Enter £200 prize draw
- Sign up for Cycle to Work scheme → £30 voucher for a helmet
Why Us? Apply Now!
We’re bustling with purpose-driven individuals. If you’re ready to shape sustainability and innovate in finance, apply today.
- Hiring Process: Direct sourcing model (agencies must be on our preferred supplier list).
- Equality Commitment: Equal opportunity employer. Fully compliant with the Equality Act 2010.
- Fair Opportunity: Background checks (credit, criminal records, CIFAS) are part of our processes.
All details have been shared transparently in accordance with Rehabilitation of Offenders Act 1974.
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