Credit & Debt Services Associate

Credit and Debt Services Associate

Division: Supervision Policy & Competition

Department: Consumer Finance

Salary: National (Edinburgh and Leeds) ranging from 43100 to 57433 and London from 47300 to 63033 (salary offered will be based on skills and experience)

This role is graded as: Associate Level 8 Regulatory

Your recruitment contact is Sartaj Deol via . Applications must be submitted through our online portal. Applications sent via social media or email will not be accepted.

About the FCA and team

We regulate financial services firms in the UK to keep financial markets fair thriving and effective. By joining us youll play a key part in protecting consumers driving economic growth and shaping the future of UK finance services.

SPC oversees firms and individuals (supervision) creates and reviews the rules by which they operate (policy) and identifies and remedies ineffective competition in markets (competition).

The Consumer Finance Directorate oversees policy and supervision for over 30000 firms across consumer credit claims management credit unions and mortgage intermediaries aiming to ensure fair access to credit early support for those in financial difficulty and timely high-quality debt advice.

Role Responsibilities

• Review and analyse information and data collected from firms to assess a firms business model identifying and mitigating risks to UK customers

• Support work in ways to solve problems identified within firms and wider credit markets

• Develop constructive working relationships with senior stakeholders to communicate progress of tasks

• Contribute towards the continuous improvement of internal processes by suggesting changes that would influence wider divisional and business-wide opportunities

• Help to embed and oversee the implementation of the new consumer duty in line with the FCAs framework

• Supporting with debt collection negotiating payment plans and maintaining accurate records

Skills Required

Minimum:

• Prior experience of retail lending or consumer finance

• Prior experience within a regulatory/financial services environment

• Prior experience of working on debt collection cases

Essential:

• Proven experience to work to tight deadlines using sound judgment to achieve results in a high-pressure environment

• Ability to prepare documents and briefing notes ahead of firm meetings engaging effectively with firms in writing to support delivery of good consumer outcomes

• Ability to work collaboratively with stakeholders both internally and internally

• An understanding of the regulatory framework including handbook rules and guidance

• Proven experience in dealing with issues impacting consumers in vulnerable circumstances

• A strong understanding of regulatory finance and consumer protection

Benefits

• 25 days annual leave plus bank holidays

• Hybrid model with up to 60% remote work

• Non-contributory pension (812% depending on age) and life assurance at eight times your salary

• Private healthcare with Bupa income protection and 24/7 Employee Assistance

• 35 hours of paid volunteering annually

• A flexible benefits scheme designed around your lifestyle

For a full list of our benefits and our recruitment process as a whole visit our benefits page.

Our values and culture

Our colleagues are the key to our success as a regulator. We are committed to fostering a diverse and inclusive culture: one thats free from discrimination and bias celebrates difference and supports colleagues to deliver at their best. We believe that our differences and similarities enable us to be a better organisation one that makes better decisions drives innovation and delivers better regulation.

If you require any adjustments due to a disability or condition your recruiter is here to help - reach out for tailored support.

We welcome diverse working styles and aim to find flexible solutions that suit both the role and individual needs including options like part-time and job sharing where applicable.

Disability confident: our hiring approach

Were proud to be a Disability Confident Employer and therefore people or individuals with disabilities and long-term conditions who best meet the minimum criteria for a role will go through to the next stage of the recruitment cases of high application volumes we may progress applicants whose experience most closely matches the roles key requirements.

Useful information and timelines

Timeline:

• Job Advert Close Date: 16th November 2025

• CV Review/Shortlist: 24th November 2025

• First Interview: w/c 1st December 2025