Arrears Executive (Mortgage Litigation)

About Tandem Bank: Launched in 2014 as one of the United Kingdom’s original challenger banking platforms, Tandem is a highly successful, fast-growing digital bank built to empower consumers to make smarter financial choices while minimizing their environmental footprint. With over 500 professionals working across the UK, Tandem balances retail banking tech with an award-winning commitment to corporate responsibility. Recognized in The Sunday Times Best Places to Work for consecutive years and highlighted on the Sunday Times 100 Tech track as a fastest-growing tech firm, the platform holds the Investor in Customers Gold Standard and stands as a certified Great Place to Work ecosystem leading sustainable digital banking transformations.

Position Overview

We are seeking a highly analytical, process-driven, and compliance-minded Arrears Executive (Mortgage Litigation) to join our centralized collections and secured recoveries division under a flexible fully remote model open across the United Kingdom, with options to utilize office facilities in London, Cardiff, Durham, or Blackpool. In this high-leverage late-arrears enforcement seat, you will take operational ownership of complex delinquency portfolios across motor finance, unsecured lending, and secured residential mortgage accounts. Shifting entirely away from routine non-regulated data entry, basic third-party visual layout styling, or outbound product marketing campaigns, you will manage an active litigation strategy, asset repossession routing, and statutory forbearance assessment laboratory. This position requires a recoveries and litigation authority with a proven background in regulated banking who navigates consumer arrears cases fluidly natively using Bookkeeping and default management rules, compiles court-ready litigation briefs cleanly, administers formal Income and Expenditure (I&E) reviews systematically, tracks cases across multi-channel customer servicing lines, and enforces strict Financial Conduct Authority (FCA) compliance thresholds to deliver fair client outcomes.

Key Responsibilities

• Late Arrears Portfolio Governance: Proactively analyze, manage, and settle late-stage arrears portfolios across vehicle finance, unsecured personal loans, and secured mortgage accounts natively utilizing Bookkeeping and recovery parameters.
• Secured Litigation & Exit Strategies: Evaluate complex payment failure loops to construct, verify, and execute court documentation, asset repossessions, and optimal litigation exit structures.
• FCA Compliance & Regulatory Tracking: Enforce strict operational alignment alongside Financial Conduct Authority rules—specifically focusing on MCOB and CONC guidelines—ensuring regulatory transaction documentation is accurately processed.
• Income & Expenditure Assessments: Structure and review comprehensive client affordability budgets, deciding and implementing matching forbearance solutions based on individual personal circumstances.
• Vulnerability & Escalation Triage: Identify, log, and resolve specialized default cases, tracking parameters carefully to protect vulnerable or fraud-exposed client segments.
• Multi-Channel Communication Management: Manage inbound and outbound case communication layers across telephone networks, legal portals, and structured emails, updating team logs to support organizational scorecard goals.

Required Skills & Qualifications

• Proven professional history managing later-stage consumer default accounts, explicitly including hands-on experience handling mortgage litigation and vehicle finance repossessions .
• Demonstrated background operating inside a regulated UK financial services, banking platform, or regulated lending firm.
• Expert practical command over FCA regulations (MCOB and CONC guidelines) , Consumer Credit Act (CCA) parameters, and GDPR data governance tracking.
• Outstanding verbal and written communication strengths in English, with an established capability to negotiate structured repayment or forbearance agreements under tight timelines.
• Contractual Rota Alignment: Flexibility to fulfill a 36.25-hour weekly roster running Monday to Saturday (8am-7pm), which includes a remote work shift on the last Saturday morning of each calendar month.
• Location Context: Position operates under remote guidelines open exclusively to qualified collections professionals residing permanently within the United Kingdom .

Preferred Strategic Indicators (Nice to Have)

• Prior history working inside a fast-moving challenger bank, digital fin-tech platform, or dedicated legal recoveries department.
• Familiarity leveraging automated core banking ledgers, risk scoring databases, or customer relationship monitors to assess account queues.
• Active background participating inside credit counseling panels, structured complaint resolution paths, or sustainable microfinance spaces.

What We Offer

• Competitive Base Compensation Matrix: A market-competitive annual base salary up to £37,000 , supplemented by an attractive performance bonus track up to 20% and top-tier corporate perks.
• Complete workspace choice flexibility, enabling you to practice 100% remote UK independence or access vibrant office branches.
• Generous Paid Leave Privileges: 25 days of annual leave plus 8 Bank Holidays, supplemented by an additional paid "Celebration Day" off for personal milestones.
• Corporate Sabbatical & Saccrifice Schemes: Access to highly subsidized electric vehicle (EV) salary sacrifice schemes, interest-free smart tech product catalogs, and matching pensions up to 4%.
• Comprehensive wellness features via Westfield Health cash plans, 3x salary life assurance covers, paid team social allowances, and 2 days per year of paid charity volunteering leave.
• Tandem Green Deal Perks: Unique green incentives providing matching charity funding up to £200, solar panel installation discounts, and up to £500 cash backing towards domestic electric home charger systems.