Are you a skilled Arrears Specialist looking to rise to a new challenge? Pepper Advantage is one of the leading loan servicing companies in the UK, and we are currently recruiting for Arrears Specialists to join our dynamic and growing team in Uxbridge, London. We are looking for candidates with outstanding customer service skills to deal with the servicing of mortgages throughout the complete cycle, delivering workout solutions to customers experiencing payment difficulties, and managing the delivery of the litigation process via liaison with the appointed solicitors. This is a hybrid role, with the expectation of 2 - 3 days per week office attendance following a period of office based training. As an Arrears Specialist, your key responsibilities will include: Delivering accurate and timely processing of mortgage administration activities Regular communication with customers who are experiencing payment difficulties Discussing and negotiating arrears workout options, e.g. arrangements, capitalisation, loan workouts, shortfall sales, etc. Monitoring agreed workout strategies to ensure they are complied with, and taking further action in accordance with the Special Servicing Manual where appropriate Analysing problems, thinking creatively, and making effective decisions in an appropriate timescale Essential Skills: Recent experience in a Collections role Experience in dealing with customers experiencing financial difficulties Prior exposure to operational loans, preferably in a mortgage context The ability to offer outstanding customer service The ability to effectively relate to the customer and communicate pertinent information in a cohesive and relevant manner Experience within the Financial Services Industry Excellent organisation skills Strong English verbal and written communication skills Great attention to detail An understanding of Consumer Duty A good understanding of regulatory requirements and the impact these have on the business Benefits: Benchmarked salary of £33,000 per annum Hybrid working Private medical insurance Salary Sacrifice Pension matched up to 8% 25 days holiday per year bank holidays EAP Enhanced maternity and paternity Wellbeing and Volunteering days Eye care contribution Life Assurance About us: We currently operate in nine jurisdictions across the UK, Europe, and Asia Pacific, and have over US$50 billion in assets under management. We employ more than 1,100 people to look after 65 clients and 1,000,000 end-users - and we're growing fast. Through heavy investment in tech-enablement and data and analytics, we are driving operational efficiency, empowering clients, and expanding our remit all over the world. Working across commercial and residential real estate, personal and SME loans, credit cards, asset finance and point of sale, our advanced credit intelligence platform enables us to arrive at the best solutions for our clients and their customers, and always pushes for the right outcome, whatever financial journey they're on. As an employee of the Pepper Advantage community, you’ll be part of a unique global-scale data network, giving you access to all the latest market trends and opportunities. You have to be in it to get the full advantage