Application Guide

How to Apply for Arrears Team Leader (Mortgage Litigation)

at Tandem

🏢 About Tandem

Tandem is a forward-thinking UK bank focused exclusively on green finance solutions, helping customers make eco-friendly financial decisions. Unlike traditional banks, Tandem integrates environmental sustainability directly into its banking products and services. Working here means contributing to a mission-driven organization that combines financial services with positive environmental impact.

About This Role

As Arrears Team Leader (Mortgage Litigation), you'll lead a team handling late-stage mortgage arrears cases, including litigation, repossession, and third-party debt sales. This role is critical for managing high-risk customer situations while ensuring compliance with FCA regulations in a mission-driven green bank. You'll directly impact both customer outcomes during financial hardship and the bank's risk management in its mortgage portfolio.

💡 A Day in the Life

Your day typically starts reviewing team performance metrics and high-risk cases, then moves to coaching team members on complex arrears conversations and FCA compliance. You'll coordinate with third-party litigation firms on repossession cases, implement exit strategies for late arrears, and ensure all activities align with both regulatory requirements and Tandem's customer-focused, environmentally-conscious values.

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Interview Prep

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🎯 Who Tandem Is Looking For

  • Has 2+ years specifically leading mortgage litigation teams with demonstrated knowledge of FCA arrears and repossession rules
  • Proven experience managing third-party relationships with litigation firms and asset management companies in mortgage contexts
  • Background in regulated financial environments with experience implementing first-line controls and fostering risk-aware cultures
  • Strong coaching skills with ability to motivate teams handling difficult customer conversations about mortgage arrears

📝 Tips for Applying to Tandem

1

Quantify your experience with mortgage litigation metrics: mention specific outcomes like repossession rates, debt recovery percentages, or SLA achievements in previous arrears roles

2

Highlight any experience with automated dialler systems in arrears management, as mentioned in the job description's outbound activity coordination

3

Connect your regulatory knowledge to Tandem's green mission - show how you'd apply FCA rules within an environmentally-focused banking context

4

Demonstrate understanding of the emotional aspects of mortgage arrears work and how you've supported both customers and team members through difficult situations

5

Reference Tandem's specific focus on green finance in your application materials to show you've researched their unique market position

✉️ What to Emphasize in Your Cover Letter

['Specific examples of leading mortgage litigation teams through complex cases while maintaining regulatory compliance', 'Experience managing third-party supplier relationships with litigation and asset management companies in mortgage contexts', "How you've motivated teams handling emotionally challenging arrears conversations while achieving performance targets", "Alignment with Tandem's green finance mission and how you'd apply arrears management within an environmentally-conscious banking framework"]

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🔍 Research Before Applying

To stand out, make sure you've researched:

  • → Tandem's specific green mortgage products and how arrears might be handled differently in environmentally-focused lending
  • → Recent FCA regulations around mortgage arrears and repossession (particularly CONC 7 and 13)
  • → Tandem's company values and mission statement to understand how arrears work fits within their customer-centric, eco-friendly approach
  • → The UK mortgage market's current challenges and how green banks like Tandem are positioned within it

💬 Prepare for These Interview Topics

Based on this role, you may be asked about:

1 Walk us through your experience implementing mortgage repossession processes while ensuring FCA compliance
2 How would you handle a situation where a team member is struggling with the emotional toll of arrears conversations?
3 Describe your approach to managing relationships with third-party litigation firms and asset management companies
4 How would you adapt arrears strategies to align with Tandem's customer-focused, environmentally-conscious banking philosophy?
5 What metrics would you track to measure your team's success in late arrears management, and why?
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⚠️ Common Mistakes to Avoid

  • Focusing only on collections experience without specific mortgage litigation and repossession knowledge
  • Treating arrears management as purely numbers-driven without acknowledging the human element of mortgage difficulties
  • Failing to connect your experience to Tandem's unique position as a green bank - applying generic banking approaches without adaptation

📅 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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