Loans Management Officer

Loans Management Officer

£24k to £28k depending upon experience

Reporting To: Fund Manager

Closing Date: 17th May 2021 – Noon

DSL Business Finance Ltd (DSL) is Recruiting

Established in 1993, DSL is Scotland’s leading not-for-profit lender providing access to finance to a  Start-ups, Growing SMEs and Social Enterprises throughout the country. We now have a vacancy for a Loans Management officer. This is a permanent, full -time role normally based at our HQ in Govan, Glasgow albeit we are presently operating a part office/part home approach.

DSL, part of CEIS Group, is a family friendly employer with a wide range of benefits available, some of which include 25 days annual leave, 12 statutory public holidays and a company-wide contributory pension scheme.

Following  a period of consistent growth DSL has substantial funds under management and we are seeking a team member who will have a key role in managing all aspects of this. Ideally you will have experience of financial services (or similar business), experience of debt management and recovery,  be personally organised, diligent, consistent and have a keen eye for detail. The key working relationship will be with the Fund Manager

Please note that applications must be made using the form provided.   

A copy of the Job Description can be downloaded for offline reading here

DSL Business Finance Ltd is Scotland’s leading not-for-profit lender providing access to loan finance for Start-Ups, SMEs and Social Enterprises. Any surpluses made by the organisation are re-invested for lending rather than being distributed amongst shareholders. In addition to our lending activities we also manage funds on behalf of other organisations e.g. the Start Up Loans Company (SULCo) which is a British Business Bank/UK government initiative and Scottish Government.

Our objectives are:- to create opportunities for enterprise; grow existing businesses ; create jobs and strengthen the sustainability of local communities

The Loans Management Officer is responsible for monitoring client performance including collection of loan repayments, debt control and the provision of post–loan support.  They will also be responsible for producing reports for our Partners, Funders and Stakeholders in relation to debt management and will work closely with the Fund Manager.

Duties are determined by the Fund Manager in consultation with the Executive Director.  Annual formal reviews of work objectives will take place with ongoing informal overview meetings as required in line with normal business practice.

Key result areas (5-10 statements):

For DSL loans and loans managed on behalf of third parties:

  • Loan Management for new & existing loan customers:
    • Ensuring all new direct debit mandates are implemented accurately and on time.
    • Managing all loan repayments via BACS and monthly bank statements.
    • Ensuring compliance with Consumer Credit Act (CCA) by providing payment information to clients including Annual Statements and Notices of Arrears.
  • Management of any loan arrears:
    • Assessing and agreeing repayment plans with clients and putting in place any variation to loan agreements. Client visits may occasionally be required.
    • Ensuring that the DSL Board has a clear line of sight of the loan portfolio at any given time by producing appropriate reports and seeking authority for proposed write-offs etc
  • Implementation of DSL debt recovery procedures:
    • Undertaking in a timely manner in accordance with DSL policy & procedures
    • Adhering to and being compliant with FCA Regulations
  • Third party loan funds managed by DSL:
    • Liaising with DSL’s Funders, Partners and Stakeholders as required
  • Establishing New third party loan funds
  • Assist with the assignation of any new third party loan funds and any other aspects that may be identified in consultation with the Fund Manager.

Compliance, Policy and Procedures

  • Adhering to British Business Bank (BBB) compliance and administration requirements by ensuring DSL’s portal entries meet BBB’s legal requirements with particular reference to recoveries and guarantee premiums.
  • Updating DSLs debt recovery policy and procedures in line with CCA regulations and other relevant legislation.
  • Actively seeking to identify any appropriate changes and/or improvements to debt recording systems that can be implemented whilst continuing to ensure accuracy, confidentiality and maintaining adherence to legislative guidelines.

General Activities

  • Undertaking any administration in support of the above by to ensure the loan portfolio is accurately and efficiently maintained.


Fund Manager/Executive Director Assignment and progression of work
DSL Board of Directors Quarterly Reports
DSL Team Interactions as required


Clients, Legal advisors Provision and exchange of information
Funders, Partners, Stakeholders Monthly/quarterly reports

Job requirements (qualifications, skills, and experience – for job, not of specific job holder):


  • Experience of working in debt recovery/control.
  • Proficient IT skills including data entry.
  • Accuracy and attention to detail.
  • Ability to work on own initiative as well as part of a team with minimal supervision.
  • Ability to efficiently manage workload in a timeous manner.
  • Flexible and positive attitude.
  • Efficiency, organisation, consistency and a high level of diligence


  • Experience of working in financial services and knowledge of Scottish legal system.
  • Experience of a busy office and working in a small team.
  • Good communication skills , both written and oral.
  • Good telephone manner.
  • Ability to interact with people from diverse backgrounds.