Senior Debt Adviser (Scotland)

Permanent Full time Post
Home Based
Salary: £31,242.00

Perennial is the only UK charity dedicated to building better futures for people in horticulture and their families.  Through our Debt Advice and Casework Teams we provide free, confidential advice, support and financial assistance to all those working in, or retired from, horticulture and their families.

We are now looking for a senior debt adviser to cover Scotland.  This post offers an exciting opportunity to develop our service in Scotland, in conjunction with our caseworker based here.

You will need to have a comprehensive knowledge of debt law and tactics relevant to Scotland as well as an understanding of English law.  The post required you to maintain a full and active caseload of clients, to undertake home visits and to provide advice by email, telephone and text.  You will negotiate with creditors and represent at court as required.

The post is home-based, ideally in Scotland, and you would need to be prepared to travel throughout Scotland and occasionally into England. You would need to be self-motivated, able to prioritise your own workload and willing to work flexible hours to meet the needs of our clients.  You will also need to work as part of a remote team, supporting colleagues and acting within the best interests of the charity at all times.

When completing your application form, you should explain how you all meet the requirements in the person specification.  Please remember the short-listing panel can only base their decision on what you include in your application form and that the presentation of your application form may be taken into consideration.

Completed application forms should be returned in the post to: Amy Routley, Perennial, 115-117 Kingston Road, Leatherhead, Surrey KT22 7SU, or by email to: and must reach this office no later than Monday the 12th of August 2019 at 9.00am. Download here

Interviews will take place on Wednesday 21st of August 2019 at the Holiday Inn Express, Edinburgh Airport, 101 Ingliston Road, Ingliston, Edinburgh EH28 8AU.

We will usually write to applicants to let them know whether they have been successful or unsuccessful.  However, if you do not hear from us within four weeks of the closing date, please assume that you have been unsuccessful on this occasion.  Do not let this deter you from applying in the future for any post advertised by Perennial that may be of interest to you.

Perennial is an equal opportunities employer and welcome applications from all.  Nobody will receive less favourable treatment on the grounds of age, disability, gender and transgender status, race and ethnicity, religion and belief (including no belief), marriage or civil partnership status or sexual orientation.  At Perennial we believe that diversity strengthens our ability to provide an excellent and holistic service.

Job Description

Responsible to                                Debt Advice and Compliance Manager
Responsible for                              N/A
Purpose of job                                To provide a professional, confidential debt advice and casework service to those who seek help from Perennial.  To respond to new requests for assistance from clients as directed by the Debt Advice Manager.  To provide support for other members of the debt advice and casework teams.  To contribute to the development of the charity.

Principal Accountabilities:

  1. To respond to new requests for help, advice, assistance or representation within the region and to visit people within an agreed geographical area to assess their needs and the best way for Perennial to provide help or secure help from other agencies. To follow through to ensure this help is obtained, providing in-depth debt advice and casework services to people experiencing a crisis in their lives and/or ongoing debt.
  2. To maintain a caseload of active clients, taking new cases and closing cases as appropriate and to work unsupervised to prioritise work and meet deadlines. Casework is undertaken by a variety of methods including email, telephone, home visit and text.  To negotiate with creditors and represent clients at court on debt matters, including mortgage and rent repossession.
  3. To provide telephone advice within a rota to those clients for whom we provide a telephone advice and signposting service. To quickly establish eligibility for our service and recognise when a referral to our other specialists is appropriate.
  4. To maintain a comprehensive knowledge of debt law and tactics relevant to the region and to be able to identify other areas of help, including benefits advice, which can be referred to our casework team. To be a team expert on technical aspects of debt advice and to mentor and support other members of the debt team if required.  To have an understanding of the requirements of external regulation e.g. the Financial Conduct Authority and the GDPR.
  5. To work closely with the Debt Advice Manager to develop the debt advice service and to review procedures and policies from time to time. To deputise for the Debt Advice Manager as required.
  6. To promote the Debt Advice Service to appropriate organisations in conjunction with the Debt Advice Manager, and to raise general awareness of the Charity within the statutory and voluntary sector and when appropriate, the horticultural community.
  7. To build relationships and liaise with other statutory and voluntary organisations, including attending networking meetings.
  8. To provide statistics and reports and to attend internal and external meeting, including supervision meetings, as required.
  9. To advise, assist and support colleagues from other disciplines, especially marketing and fundraising and to work within the charity’s best interests at all times.
  10. To act within the Charity’s policies, including but not limited to those relating to Operational Guidance, Health and Safety, Confidentiality and Equality & Diversity.
  11. To undertake other such tasks within the broad purposes of the job as may be required by the line manager from time to time.



Comprehensive knowledge of debt law and tactics relevant to Scotland as well as an understanding of English law, including legal practices and procedures E
Comprehensive knowledge of insolvency options relevant to the region E
Good all-round knowledge of social welfare law and an ability to recognise when to refer to our casework team or to signpost to other organisations E


Ability to work unsupervised and to prioritise your own work to meet deadlines E
Ability to engage with clients through a variety of methods and to offer a fully holistic and client-focussed service, dealing with matters confidentially and sympathetically E
Ability to advocate and represent clients’ interests and to enforce their rights E
Ability to assess eligibility for our service, manage client expectations and manage grants to clients within prescribed boundaries E
Computer literate.  Able to use spreadsheets, word processing, a database and e-mail E
Ability to work as part of a remote team, offering support and coaching to others E
Ability to work proactively within your existing workload and with new clients, in order to provide exceptional service and support E
Ability to take responsibility for own continued development and learning E
Ability to produce reports and statistics, ability to analyse data and suggest ways of improving the service D


At least two years employment in a paid role offering debt advice and assistance to individuals on a one to one basis E
Full driving license or the provable ability to travel extensively E
At least two years history of CPD in debt related activity (Wiseradviser or equivalent) E
Certificate in Money Advice Practice D
AiB Approved Money Adviser D
Individual circumstances
 Ability to travel at all times throughout the UK E
Willingness to travel over considerable distances E
Willingness to work flexible hours to meet the needs of clients E
Willingness to stay away from home overnight on occasions E
Able and happy to work from home, providing own office space with secure storage for laptop, printer, stationery, files etc. E