Application Guide

How to Apply for Arrears Executive (Mortgage Litigation)

at Tandem

🏢 About Tandem

Tandem is a digital bank with a strong focus on green finance, helping customers make eco-friendly financial decisions. As a remote-first UK company, it offers flexibility while promoting sustainability in banking. Working here means contributing to a mission-driven team that values customer fairness and environmental impact.

About This Role

As an Arrears Executive in Mortgage Litigation, you'll manage later arrears cases for motor finance and mortgages, handling sensitive communications and legal processes. Your work directly impacts customer outcomes, ensuring fair treatment while navigating complex regulations. This role is crucial for balancing debt recovery with customer vulnerability and regulatory compliance.

💡 A Day in the Life

Your day might start by reviewing a caseload of later arrears accounts, prioritizing those nearing court deadlines. You'll make outbound calls to customers to negotiate repayment plans, document interactions, and prepare court papers for repossessions. Afternoons could involve handling inbound queries from vulnerable customers and collaborating with legal teams on litigation updates.

🚀 Application Tools

Generate Cover Letter

AI-powered, tailored for Tandem

Interview Prep

Practice questions for this role

🎯 Who Tandem Is Looking For

  • Experienced in arrears management within regulated lending, specifically handling later arrears and litigation for motor finance and mortgages, including repossessions.
  • Knowledgeable about FCA rules (MCOB and CONC), CCA, and GDPR, with a proven ability to apply these in daily case management.
  • Strong communicator skilled in negotiating repayment plans and handling vulnerable customers with empathy and professionalism.
  • Detail-oriented and organized, capable of preparing court documentation accurately while managing a caseload under pressure.

📝 Tips for Applying to Tandem

1

Highlight specific examples of managing later arrears and litigation, including repossessions, in your CV and cover letter.

2

Demonstrate your understanding of Tandem's green finance mission by linking your experience to fair customer outcomes and sustainable practices.

3

Use keywords from the job description like 'MCOB', 'CONC', 'CCA', 'forbearance', and 'vulnerable customers' to pass ATS screening.

4

Mention any experience with remote work and self-management, as the role is fully remote.

5

Tailor your application to show how you've handled vulnerable customers and complaints, as this is a key requirement.

✉️ What to Emphasize in Your Cover Letter

['Your experience with later arrears and litigation for secured loans, including specific outcomes like successful repayment plans or court case management.', 'How you ensure fair treatment of customers and compliance with FCA regulations, especially MCOB and CONC.', 'Your ability to communicate with vulnerable customers and handle complaints with empathy.', "Alignment with Tandem's green finance values and your interest in contributing to a sustainable banking model."]

Generate Cover Letter →

🔍 Research Before Applying

To stand out, make sure you've researched:

  • → Familiarize yourself with Tandem's green finance products, such as their green mortgages and savings accounts, and how they align with sustainability.
  • → Read Tandem's latest news or blog posts about their mission and customer outcomes to understand their culture.
  • → Review the FCA's MCOB and CONC sourcebooks, especially sections on arrears and forbearance, to refresh your knowledge.
  • → Look up Tandem's approach to remote work and any tools they use for collaboration (e.g., Slack, Zoom) to show you're prepared.

💬 Prepare for These Interview Topics

Based on this role, you may be asked about:

1 Walk me through a time you managed a complex arrears case that went to litigation. What steps did you take and what was the outcome?
2 How do you ensure compliance with MCOB and CONC when negotiating repayment plans with vulnerable customers?
3 Describe a situation where you had to handle a difficult customer complaint. How did you resolve it?
4 What is your approach to preparing court documentation for repossession? How do you ensure accuracy and timeliness?
5 How do you stay organized while managing a caseload of later arrears cases, especially under pressure?
Practice Interview Questions →

⚠️ Common Mistakes to Avoid

  • Avoid generic statements about 'customer service' without linking to arrears management or litigation experience.
  • Don't downplay the importance of regulatory knowledge; ensure you mention specific regulations like MCOB and CONC.
  • Avoid being vague about vulnerable customers; provide concrete examples of how you've handled such situations.

📅 Application Timeline

This position is open until filled. However, we recommend applying as soon as possible as roles at mission-driven organizations tend to fill quickly.

Typical hiring timeline:

1

Application Review

1-2 weeks

2

Initial Screening

Phone call or written assessment

3

Interviews

1-2 rounds, usually virtual

✓

Offer

Congratulations!

Ready to Apply?

Good luck with your application to Tandem!

← Back to Job Listing Apply Now →