Careers

We’re on the most exciting journey - want to join us?

Established in October 2013, Optimum Credit is a great place to work. That’s because at Optimum Credit we really do believe that it’s our people who are our main competitive advantage – the ‘thing’ that sets us apart from our competition.

This is why we aim to create a business that allows our team to excel every day, to develop their skills, experiences and talents and help us to collectively achieve our business goals.

To this end we are all colleagues. We may have different roles and responsibilities but we all bring something unique to Optimum Credit. We don’t talk about ‘staff’ or ‘employees’ but colleagues. We believe that we all have a role to play in our success.

This is what makes the difference to the experience we provide to our customers and to each other. It is this difference which will help us to be a truly great company.

Apply now

Business Analyst (Permanent, full time)

Location:  Cardiff, Wales

We are seeking to recruit an experienced Business Analyst to join our IT Team.  The successful candidate will act as a bridge between the various Optimum business areas and internal or external development teams/project managers.

They will have a proven track record of business process modelling, and working collaboratively with business management and systems users to identify and implement process and systems improvements.

The purpose of the job is to design, model and implement new or modified IT system changes, delivering a leaner and more efficient business, whilst maintaining customer service delivery.

Skills and knowledge required include understanding of business lifecycles, software engineering processes, project management fundamentals, requirements gathering and documentation, and triaging and responding to helpdesk tickets logged by the users of the core systems.

The successful applicant will have previous experience in a similar role, ideally supported by the ISEB qualification in IT Enabled Business Change/Business Analysis.  Prior experience of working in Financial Services/second charge lending is desirable.

In return we offer competitive salaries, 25 days’ holiday (+ bank holidays), free private healthcare, free life assurance, annual bonus, and up to 8% matched contributory pension scheme … but the real benefits of working at Optimum Credit include working with IT colleagues who have a passion for excellence and who work collaboratively to put customers and users first.

At Optimum we are all ‘colleagues’. We may have different roles and responsibilities but we all have something unique to bring to Optimum. We value this uniqueness and recognise that having a diverse team is the best way to succeed, so we welcome applicants from suitably qualified people from all sections of the community.

Apply now

Test Analyst (full-time)

Location:  Cardiff, Wales

We have a great opportunity for a Test Analyst to join our expanding IT team.

As a Test Analyst you'll be an integral part of an Agile development team, working closely with developers and Business Analysts across the full lifecycle using a combination of exploratory testing, context driven approaches and automated tests.

The ideal candidate will have a working knowledge of test automation using Selenium WebDriver, Jasmine or Protractor. You will assist in the definition of the test automation framework including maintaining and extending the regression suite.

Sound knowledge of test processes and methodologies is required.  The ability to write test strategies, plans and scripts is essential, as is the ability to create clear, concise and unambiguous manual and automated test scripts. Previous experience of working in Financial Services would be a distinct advantage, particularly in second-charge lending, as would the ISEB Certificate in Software Testing (Foundation) and/or ISTQB.

In return, we offer competitive salaries, 25 days’ holiday (+ bank holidays), free private healthcare, free life assurance, annual bonus, and up to 8% matched contributory pension … but the real benefits of working at Optimum Credit include a real sense of camaraderie and belonging to the Optimum family, and colleagues who love working together to build something special – to be the best!

At Optimum we are all ‘colleagues’. We may have different roles and responsibilities but we all have something unique to bring to Optimum. We value this uniqueness and recognise that having a diverse team is the best way to succeed, so we welcome applicants from suitably qualified people from all sections of the community.

Apply now

Business Development Manager (full-time)

Location: Home based role covering the North of England and Scotland

We have an exciting opportunity for a Business Development Manager to join our expanding new business team.

The purpose of this role is to support the National Sales Manager in developing and managing a network of second charge mortgage brokers and other second charge mortgage distribution channels. The role will involve identifying and developing new origination opportunities in addition to nurturing existing relationships with our broker partners.

The successful candidate will have exceptional drive, commerciality and negotiation skills. You will need to have demonstrable experience in relationship management with a track record of building and maintaining effective new business partnerships, with strong presentation skills being a prerequisite. As a credible sales professional you will quickly identify ways of increasing business with the ability to recognise other business opportunities that could benefit Optimum.

You will be the type of person who is confident, self-managed, technically astute and inherently wants to do the right thing for our customers.

Key accountabilities include the management of our second mortgage brokers through regular visits, identification of training needs and the delivery of effective solutions, and supporting our in-house loans team as and when business volumes dictate.

Your excellent communication and influencing skills will be put to good use with colleagues, mortgage brokers and other key decision-makers.

Previous experience of working in financial services is essential, preferably with sound knowledge of the first mortgage and/or second charge market.

The full CeMAP qualification, or commitment to achieving it within a maximum of 12 months, is essential to this role.

This is a home-based role covering the North of England and Scotland, but will also include travel throughout the UK which will include overnight stays. A full clean driving license will be required.

In return for this role we offer a competitive salary, 25 days’ holiday (+ bank holidays), free private healthcare, free life assurance, discretionary annual bonus, fully expensed company car, company mobile phone and up to 8% matched contributory pension scheme … but the real benefit of working at Optimum Credit is working with colleagues who have a passion for excellence and who work collaboratively to put customers first.

At Optimum we are all ‘colleagues’. We may have different roles and responsibilities but we all have something unique to bring to Optimum. We value this uniqueness and recognise that having a diverse team is the best way to succeed, so we welcome applicants from suitably qualified people from all sections of the community.

Closing date for applications for this role is 13 April 2018.

Apply now

Compliance Officer, Fixed Term Contract (11 months) - Full Time

Location: Cardiff, Wales.

We have an exciting opportunity for an experienced Compliance Officer to join our Compliance Team for a fixed term of 11 months. The successful candidate will have demonstrable compliance and conduct risk experience including knowledge of T&C and quality assurance. Proactive, with excellent stakeholder management skills, you will play a key role in ensuring that the fair treatment of customers is embedded within the company culture and in an ethical manner – after all, one of our company values is Think Customer!

You will provide compliance advice to the business, undertake Conduct Risk reviews and monitoring, and roll out regulatory changes across the business.   You will be the type of person that takes pride in ensuring that our business is conducted in an ethical manner and within the regulatory guidelines.

As part of the Optimum team you will also investigate and attain resolution of escalated complaints, and manage the customer experience survey process to ensure maximum Customer and Stakeholder engagement. You will need strong interpersonal, negotiation and influencing skills to build and maintain trusting relationships.

Reporting to the Senior Compliance Officer you will have regular feedback, team meetings and training & development, enabling you to enhance your skillset and experience.

Experience of working within the financial services is essential. A minimum of 5 GCSE (or equivalent) passes including Maths and English at grade C or above are required. The full CeMap or equivalent qualification is highly desirable.  A relevant qualification (e.g. ICA/IFS) is also desirable.

In return we offer competitive salaries, 25 days’ holiday (+ bank holidays), free private healthcare, free life assurance, discretionary annual bonus, and up to 8% matched contributory pension scheme … but the real benefit of working at Optimum Credit is working with colleagues who have a passion for excellence and who work collaboratively to put customers first. 

At Optimum we are all ‘colleagues’.  We may have different roles and responsibilities but we all have something unique to bring to Optimum.  We value this uniqueness and recognise that having a diverse team is the best way to succeed, so we welcome applicants from suitably qualified people from all sections of the community.

Apply now

Underwriters (Permanent, full time/part time)

Location: Cardiff, Wales.

We have a great opportunity for experienced Underwriters to join our expanding Underwriting Team.  The roles can be filled on a full-time or part time basis.

The successful candidates will underwrite and pay-away second charge mortgages on the Company's behalf in accordance with Lending Policy as well as Treating Customer Fairly and the principles of responsible lending. You will work closely with our internal Broker Account Managers to deal with referrals, resolve queries and provide guidance. Any cases outside mandate will require a recommendation to the Head of Underwriting with a sound business rationale.

The successful candidates will:

·       Be able to demonstrate a thorough knowledge of relevant regulations governing mortgage and/or secured lending

·       Ideally hold (or have held within the last six months) a mortgage lending mandate

·       Be a confident decision-maker, with an excellent eye for detail

·       Be comfortable working in a fast pace environment effectively balancing quantity with quality

·       Hold (or be willing to work towards) the full CeMap qualification

 

Previous experience working for a lender, bank or building society is essential.

In return, we offer competitive salaries, 25 days’ holiday (+ bank holidays), free private healthcare, free life assurance, annual bonus, and up to 8% matched contributory pension … but the real benefit of working at Optimum Credit is the opportunity to work with talented people who get a kick out of doing a great job, have a passion for excellence, and love collaborating with colleagues to put customers first.

At Optimum we are all ‘colleagues’.  We may have different roles and responsibilities but we all have something unique to bring to Optimum.  We value this uniqueness and recognise that having a diverse team is the best way to succeed, so we welcome applicants from suitably qualified people from all sections of the community.

Apply now

Arrears Executive (Permanent, full time)

Location: Cardiff, Wales.

We have an exciting opportunity for an Arrears Advisor to join our expanding Arrears Management team.  The successful candidate will have demonstrable collections/arrears management experience, be resourceful and able to successfully manage their own portfolio of arrears accounts.  Proactive, with excellent communication skills and a passion for helping customers in financial difficulty.

You will represent Optimum by professionally managing collections and be the first point of contact for inbound and outbound telephone calls and written correspondence from customers and third parties.  You will be the type of person who takes pride in ensuring company standards are met, and want to comply with regulatory obligations. This is a key role in ensuring that the fair treatment of customers is embedded in everything we do - after all, 'Think Customer' is one of our company values.

Reporting to the Arears Team Leader, you will receive regular feedback, team meetings and training & development, enabling you to enhance your skillset and experience.

The team are also responsible for complaint handing as the first point of contact by accurately identifying customer expressions of dissatisfaction, and taking appropriate action to enable resolution.

Experience of working within the financial services is essential.  A minimum of 5 GCSE (or equivalent) passes including Maths and English at grade C or above are required. The full CeMAP or equivalent qualification is desirable.

In return we offer a highly competitive salary, 25 days’ holiday (+ bank holidays), free private healthcare, free life assurance, annual bonus, an up to 8% matched contributory pension. But it's not just about these benefits, the real benefit of working at Optimum is the opportunity to work with talented people who get a kick out of doing a great job, have a passion for excellence, and love collaborating with colleagues to put customers first.

At Optimum we are all ‘colleagues’. We may have different roles and responsibilities but we all have something unique to bring to Optimum. We value this uniqueness and recognise that having a diverse team is the best way to succeed, so we welcome applicants from suitably qualified people from all sections of the community.

Apply now

Talent Watch

We are always on the lookout for talented people who get a kick out of doing an amazing job, have a passion for excellence, and love working collaboratively with colleagues to put customers first.

We are also planning to grow our business, so even if your dream job isn’t on our radar just yet, it may appear before too long.

So if you like what you’ve seen so far, send us your CV and we will keep your details in our ‘Talent Tank’ for when that dream job arises!

Submit your CV