Collections Officer

Job Description

Capital on Tap is seeking a Collections Officer to join their team in Cardiff. This role involves working directly with customers to manage financial arrears and setting up fair repayment plans, while ensuring compliance with relevant regulations.Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, it provides an all-in-one business credit card & spend management platform that helps business owners save time and money.What this role involves:

• Engaging directly with customers to negotiate repayment plans
• Analysing financial situations to create tailored solutions
• Ensuring adherence to GDPR, FCA, and FDCPA regulations
• Handling customer complaints and resolving conflicts effectively
• Prioritizing multiple tasks while maintaining high-quality standards
• Working with internal and external teams to support customer outcomes

Requirements:

• At least 2 years collections experience within financial services
• Strong communication skills, both verbal and written
• Proven ability to manage challenging customer interactions
• Experience using multiple communication platforms (email, SMS, etc.)
• Ability and skills to handle difficult conversations and deliver a fair customer outcome

What Capital on Tap offers:

• Salary range £27,000 - £35,000 depending on experience
• Private Healthcare including dental and optician services through Vitality
• Worldwide travel insurance through Vitality
• Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
• Salary Sacrifice Pension Scheme up to 7% match
• 28 days holiday (plus bank holidays)
• Annual Learning and Wellbeing Budget
• Enhanced Parental Leave
• Cycle to Work Scheme
• Season Ticket Loan
• 6 free therapy sessions per year
• Dog Friendly Offices
• Free drinks and snacks in our offices