Credit and Debt Services Associate
Division: Supervision, Policy & Competition
Department: Consumer Finance
Salary: National (Edinburgh and Leeds) ranging from £43,100 to £57,433 and London from £47,300 to £63,033 (salary offered will be based on skills and experience)
This role is graded as: Associate – Level 8 – Regulatory
Your recruitment contact is Sartaj Deol via Sartaj.Deol@fca.org.uk. Applications must be submitted through our online portal. Applications sent via social media or email will not be accepted.
About the FCA and team
We regulate financial services firms in the UK, to keep financial markets fair, thriving and effective. By joining us, you’ll play a key part in protecting consumers, driving economic growth, and shaping the future of UK finance services.
SPC oversees firms and individuals (supervision), creates and reviews the rules by which they operate (policy) and identifies and remedies ineffective competition in markets (competition).
The Consumer Finance Directorate oversees policy and supervision for over 30,000 firms across consumer credit, claims management, credit unions, and mortgage intermediaries, aiming to ensure fair access to credit, early support for those in financial difficulty, and timely, high-quality debt advice.
Role Responsibilities
Review and analyse information and data collected from firms to assess a firm’s business model, identifying and mitigating risks to UK customers
Support work in ways to solve problems identified within firms and wider credit markets
Develop constructive working relationships with senior stakeholders to communicate progress of tasks
Contribute towards the continuous improvement of internal processes by suggesting changes that would influence wider divisional and business-wide opportunities
Help to embed and oversee the implementation of the new consumer duty in line with the FCA’s framework
Supporting with debt collection, negotiating payment plans and maintaining accurate records
Skills Required
Minimum:
Prior experience of retail lending or consumer finance
Prior experience within a regulatory/financial services environment
Prior experience of working on debt collection cases
Essential:
Proven experience to work to tight deadlines using sound judgment to achieve results in a high-pressure environment
Ability to prepare documents and briefing notes ahead of firm meetings, engaging effectively with firms in writing to support delivery of good consumer outcomes
Ability to work collaboratively with stakeholders, both internally and internally
An understanding of the regulatory framework including handbook rules and guidance
Proven experience in dealing with issues impacting consumers in vulnerable circumstances
A strong understanding of regulatory finance and consumer protection
Benefits
25 days annual leave plus bank holidays
Hybrid model with up to 60% remote work
Non-contributory pension (8–12% depending on age) and life assurance at eight times your salary
Private healthcare with Bupa, income protection, and 24/7 Employee Assistance
35 hours of paid volunteering annually
A flexible benefits scheme designed around your lifestyle
For a full list of our benefits, and our recruitment process as a whole visit our benefits page.
Our values and culture
Our colleagues are the key to our success as a regulator. We are committed to fostering a diverse and inclusive culture: one that’s free from discrimination and bias, celebrates difference, and supports colleagues to deliver at their best. We believe that our differences and similarities enable us to be a better organisation – one that makes better decisions, drives innovation, and delivers better regulation.
If you require any adjustments due to a disability or condition, your recruiter is here to help - reach out for tailored support.
We welcome diverse working styles and aim to find flexible solutions that suit both the role and individual needs, including options like part-time and job sharing where applicable.
Disability confident: our hiring approach
We’re proud to be a Disability Confident Employer, and therefore, people or individuals with disabilities and long-term conditions who best meet the minimum criteria for a role will go through to the next stage of the recruitment process. In cases of high application volumes we may progress applicants whose experience most closely matches the role’s key requirements.
Useful information and timelines
Timeline:
Job Advert Close Date: 16th November 2025
CV Review/Shortlist: 24th November 2025
First Interview: w/c 1st December 2025