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Credit Controller


Credit Controller

  • Southampton

Business Area: Paragon Asset Finance

Brief description

This role offers the opportunity to join a growing asset finance business and contribute towards the business’s success through the proactive management of arrears across the various portfolios. The successful candidate would be expected to manage their own portfolio of arrears customers, building relationships with the customers and seeking advice and input from other departments.

Purpose of the role

The purpose of the role is to efficiently and effectively recover monies due to Paragon Asset Finance whilst adhering to PAF Recoveries procedures. It is essential that you are able to demonstrate excellent written and verbal communication skills together with an ability to interact with customers, authorised third parties, sales representatives and client contacts at all levels.

Duties and responsibilities

  • Examine agreements in arrears and determine the appropriate action, this may include identifying a potentially vulnerable customer, a customer experiencing financial hardship or a customer making a complaint, via active listening and appropriate questioning on the telephone, referring to PAF’s standards and procedures.
  • Communicate with customers in arrears, using the most appropriate method, to agree and monitor payment arrangements in line with the PAF procedures and mandates.
  • Manage, organise and update the relevant systems, ensuring all collection notes are up to date.
  • Liaise with the Asset Management team to coordinate termination of Agreements and collection of assets.
  • Monitor bank statements for incoming payments and allocate accordingly.
  • Submit proposals to the Credit Team, where appropriate, requesting the novation, reschedule or change of security to an existing deal to assist in arrears management.
  • Adhere to existing procedures and policies.


  • Demonstrate excellent communication skills, ability to empathise, and challenge processes and work approaches appropriately
  • Ability / experience to identify and probe effectively where vulnerability / complaint or other underlying reasons are suspected
  • Ability to recognise when to adapt communication style to suit the customer or colleague
  • Problem analysis and problem solving with an attention to detail and accuracy
  • Adaptability and the ability to remain calm under pressure
  • A passionate “can do” attitude High level of systems awareness and controls
  • Excellent interpersonal skills
  • High level of professionalism, reliable, positive attitude

Qualifications and experience

You must have good working knowledge of Word, Excel and Outlook and of working with database software. Previous leasing industry experience gained in data administration with customer service responsibility would be preferred.

Working hours

40 hours Monday to Friday from 8.30 – 17:30 with one hour for lunch


Relevant training will be provided.

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Paragon Banking Group PLC.  Registered in England number 2336032.  Registered office 51 Homer Road, Solihull, West Midlands  B91 3QJ.

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