Arrears Specialist

CompanyPepper Advantage

LocationSkipton, England, United Kingdom

Posted At1/26/2026

UK Visa Sponsorship Analytics

Analytics are greyed out due to low classification confidence (33.0%).

Occupation Type

Debt, rent and other cash collectors

Occupation Code Skill LevelIneligible

Sponsorship EligibilityIneligible for Sponsorship

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Description

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 Skipton, North Yorkshire.

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 up to £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 Pepper Advantage

The UK arm of Pepper Advantage was established in 2013, and today we’re one of the most successful and dynamic loan-servicing businesses throughout the four home nations. With offices in London and the North of England, Pepper Advantage UK employs over 360 people and has approximately US$25 billion in assets under management. Key sectors include commercial and residential mortgages, including prime, near-prime and non-conforming, and SME loans.