Application Guide

How to Apply for Arrears Executive

at Tandem

🏢 About Tandem

Tandem is a UK-based banking solutions company focused on promoting green finance and supporting eco-friendly financial decisions. What makes Tandem unique is their commitment to integrating environmental responsibility with financial services, offering candidates the opportunity to work for a forward-thinking organization that values both customer welfare and sustainable practices.

About This Role

As an Arrears Executive at Tandem, you'll manage mortgage and loan arrears cases, including handling litigation, repossession processes, and court documentation preparation. This role is impactful because you'll directly negotiate repayment plans with customers in financial difficulty while ensuring compliance with FCA regulations and fair customer treatment principles, balancing recovery with ethical customer support.

💡 A Day in the Life

A typical day involves proactively managing inbound communications and customer service requests for mortgage and loan products in arrears, handling later arrears cases including litigation and repossession processes, and preparing court documentation. You'll also conduct income and expenditure assessments, negotiate repayment plans with customers in financial difficulty, and ensure all actions comply with FCA regulations and Tandem's standards for fair customer treatment.

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Interview Prep

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🎯 Who Tandem Is Looking For

  • Has demonstrable experience in mortgage and motor finance arrears management, specifically including repossession processes and litigation with secured loans.
  • Possesses strong knowledge of FCA rules (MCOB and CONC), CCA, GDPR regulations, and experience ensuring fair customer outcomes in arrears cases.
  • Is skilled in income and expenditure assessments, vulnerability identification, and complaint handling within a financial services context.
  • Can proactively manage customer service requests and inbound communications while preparing court documentation for later arrears cases.

📝 Tips for Applying to Tandem

1

Highlight specific examples of managing mortgage arrears cases, including repossession processes and litigation experience with secured loans.

2

Demonstrate your knowledge of FCA regulations (MCOB and CONC) and how you've applied them in previous roles to ensure compliance and fair customer treatment.

3

Emphasize experience with income and expenditure assessments and vulnerability identification, showing sensitivity to customers in financial difficulty.

4

Research Tandem's green finance initiatives and mention how your arrears management approach aligns with their eco-friendly values.

5

Provide concrete examples of negotiating repayment plans and identifying forbearance options that balanced recovery with customer welfare.

✉️ What to Emphasize in Your Cover Letter

['Your specific experience with mortgage and motor finance arrears management, including repossession processes and litigation.', 'Knowledge and application of FCA regulations (MCOB and CONC), CCA, and GDPR in arrears cases.', 'Experience with income and expenditure assessments, vulnerability identification, and ensuring fair customer outcomes.', "How your approach to arrears management aligns with Tandem's focus on green finance and ethical customer treatment."]

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🔍 Research Before Applying

To stand out, make sure you've researched:

  • → Tandem's specific green finance initiatives and how they integrate environmental responsibility with banking solutions.
  • → Recent FCA regulations and guidelines related to mortgage and loan arrears management (MCOB and CONC).
  • → Tandem's company culture and values, particularly around customer welfare and ethical financial practices.
  • → Industry trends in arrears management and how technology is used in repossession and litigation processes.

💬 Prepare for These Interview Topics

Based on this role, you may be asked about:

1 Describe your experience with mortgage arrears litigation and repossession processes, including court documentation preparation.
2 How do you ensure compliance with FCA regulations (MCOB and CONC) while managing arrears cases?
3 Walk us through your process for conducting income and expenditure assessments and identifying customer vulnerabilities.
4 How would you balance recovery objectives with Tandem's commitment to fair customer treatment and green finance values?
5 Share an example of a challenging arrears case you resolved, including negotiation of repayment plans and forbearance options.
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⚠️ Common Mistakes to Avoid

  • Failing to provide specific examples of mortgage arrears management experience, especially with repossession and litigation.
  • Not demonstrating knowledge of FCA regulations (MCOB and CONC) or how they apply to arrears cases.
  • Overemphasizing recovery targets without showing sensitivity to customer vulnerability and fair treatment principles.

📅 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!

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