Debt caseworker jobs

About Perennial

Perennial is the UK's only charity supporting everyone working in or retired from the horticultural community.

Working in horticulture isn't always straightforward. Challenges such as seasonality of work, physical injury, isolation, ill-health and financial hardship can arise when least expected.

As the charity for the industry, Perennial has a unique understanding of these challenges. Our free and confidential support services help horticulturists and their families navigate difficult periods in their lives through practical, financial and emotional support. Delivered through a network of caseworkers, debt advisers and wellbeing services across the UK, our work helps individuals and families build resilience and find stability during times of crisis.

At the heart of our work is a commitment to helping people in horticulture thrive. By offering the right support at the right time, we strengthen wellbeing, improve financial security, support family relationships and help people remain connected to the industry they love.

Alongside our support services, Perennial operates a select number of gardens and learning environments that help develop horticultural skills and careers, ensuring the long-term sustainability of the sector.

For more than 185 years, we have been helping people build better lives within horticulture.

The Opportunity

This is an exciting opportunity to shape and grow Perennial's trusts and foundations fundraising programme.

Our current trust income is modest but established, with a loyal group of family trust supporters generating circa £50,000–£60,000 annually against a growing pipeline of opportunities. We have recently strengthened our Services Directorate, creating a culture where colleagues are increasingly developing new projects and approaches that have strong potential for charitable funding.

We believe there is significant untapped opportunity within both our existing services and emerging projects. From advice and advocacy services to health, wellbeing, family support and employability programmes, Perennial delivers work that aligns strongly with the priorities of many charitable trusts and foundations.

This role is as much about developing fundable opportunities as it is about writing applications. We are looking for someone who enjoys building as well as managing; someone capable of identifying opportunities, developing persuasive cases for support and helping colleagues transform strong and growing service delivery into compelling funding propositions.

The successful candidate will have the opportunity to build a trusts and foundations programme with genuine growth potential and play a key role in unlocking significant future income for Perennial.

Purpose of the Role

To develop and grow income from charitable trusts and foundations by identifying opportunities, building meaningful relationships and securing significant grants for both core services and project-based activity.

The postholder will play a key role in strengthening Perennial's readiness for trust fundraising by helping colleagues develop projects, articulate impact, evidence need and create compelling cases for support.

A central aspect of the role will be collaborating with teams across the organisation to bring our work to life for funders, helping colleagues translate their expertise, ideas and service delivery into attractive and fundable propositions.

The successful candidate will maximise support from Perennial's existing trust and foundation partners whilst developing a strong pipeline of new funders capable of supporting both current services and future strategic priorities. They will also work with senior colleagues to develop compelling narratives around organisational sustainability, long-term impact and the strategic use of charitable resources.

Key responsibilities

Trusts & Foundations fundraising

• Develop and deliver a trusts and foundations fundraising strategy.
• Build and manage a pipeline of charitable trusts, foundations and institutional funders.
• Prepare high-quality funding applications, proposals, expressions of interest and cases for support.
• Research and identify new funding opportunities aligned with Perennial's strategic priorities.
• Manage funder stewardship, reporting and grant compliance requirements.
• Maintain accurate records of applications, reporting deadlines and relationships within the CRM.
• Monitor income performance and provide regular pipeline and forecasting reports.

Project development

• Collaborate with teams across the organisation to bring our work to life for funders.
• Support colleagues to identify, shape and develop fundable projects and services.
• Work closely with service leads to gather impact data, outcomes, beneficiary stories and evidence of need.
• Help develop funding propositions ranging from small service enhancements to larger strategic initiatives.
• Ensure projects are clearly costed and supported by realistic budgets and outcomes frameworks.

Relationship management

• Develop strong relationships with new and existing funders.
• Create tailored stewardship plans for key supporters.
• Arrange visits, presentations and meetings with prospective funders.
• Act as a trusted internal adviser on trusts and foundations fundraising.

Strategic development

• Work with senior colleagues to develop compelling narratives around Perennial's financial position, reserves and long-term sustainability.
• Identify opportunities for multi-year and transformational funding.
• Monitor trends in trusts and foundations funding and advise on emerging opportunities.

Person Specification

Essential

• Proven track record of securing significant grants from trusts and foundations.
• Experience managing a trusts and foundations pipeline.
• Excellent proposal and bid-writing skills.
• Experience developing compelling cases for support.
• Strong relationship management and stewardship skills.
• Ability to translate complex services into fundable propositions.
• Experience working with project budgets and impact reporting.
• Strong organisational and prioritisation skills.
• Experience using fundraising CRM systems.
• Ability to work independently and collaboratively across teams.

Highly desirable

• Experience helping organisations build or expand a trusts fundraising programme.
• Experience securing five-figure and six-figure grants.
• Experience fundraising for welfare, health, employment, community or advice services.
• Understanding of balance sheet and reserves issues and how these can be addressed in grant applications.
• Membership of the Chartered Institute of Fundraising.

Success in the First 12 Months

The successful candidate will:

• Produce a comprehensive trusts and foundations fundraising strategy.
• Build a robust pipeline of prospective funders.
• Develop a portfolio of compelling funding propositions and cases for support
• Strengthen internal project development processes.
• Increase the value and number of trust applications submitted.
• Secure significant new grant income.
• Establish strong relationships with key funders and prospects.
• Improve understanding of trusts fundraising across the organisation.

Join Navigate CIO and Make a Real Impact!

Are you passionate about making a difference in people's lives?

Do you have strong communication and problem-solving skills?

Whether you're experienced in money advice or looking for a career change, we provide full training and development opportunities to help you succeed in this role. At Navigate CIO, we are a registered charity dedicated to providing free, impartial, and confidential money and debt advice across Devon and Somerset.

Our work supports individuals and families facing financial hardship, helping them build financial resilience and regain control of their lives. This is more than just a job—it's an opportunity to transform lives and strengthen communities.

This role is funded by the British Gas Energy Trust (BGET), allowing us to provide specialist energy and money advice to those who need it most.

Why Join Us?

• Full training provided – no prior experience in debt advice needed.

• A rewarding role – support vulnerable individuals to improve their financial wellbeing.

• Career development opportunities – ongoing training and professional growth.

• Flexible working environment – work across various locations, including home visits and remote support.

• Supportive team culture – be part of a dedicated and passionate team that values collaboration.

About the Role

We are looking for a compassionate Debt & Energy Adviser to provide money, debt, and benefits advice to individuals who are often in crisis and face multiple barriers to accessing the support they need. The role primarily involves face-to-face home visits, supported by telephone, video, email, and digital advice. You will be at the forefront of delivering essential money and debt advice to clients with high level needs, helping them navigate their financial challenges.

Key Responsibilities:

• Assess and review client needs to ensure appropriate support.
• Identify and address barriers preventing clients from accessing money advice.
• Provide comprehensive, caseworker-level advice on money management, debt solutions, and financial capability.
• Develop individual action plans tailored to client needs, ensuring dignity and respect.
• Maintain accurate case records and documentation. 
• Deliver high-quality money advice services in partnership with key stakeholders.

• Offer tailored support, in clients homes, online and via telephone

What We’re Looking For:

We are looking for individuals with the right skills and attributes, even if you don’t have direct experience in money and debt advice. If you are passionate about helping others and eager to learn, we encourage you to apply!

Essential Skills & Attributes:

• Strong people skills – ability to build rapport and communicate effectively.
• Ability to support vulnerable individuals with multiple and complex needs.
• Empathy and a non-judgmental approach.
• Understanding of confidentiality, GDPR, and safeguarding policies.
• Ability to prioritise tasks and manage workloads effectively.
• IT proficiency (Word, Excel, email, case management systems).
• Ability to work independently and as part of a team.
• Willing and able to travel across Somerset for client appointments.
• A full DBS check will be required.

Desirable Skills & Experience:

• Experience in advice, advocacy, or support work (paid or voluntary).
• Knowledge of welfare benefits, housing, and debt advice.
• Experience in sectors such as mental health, addiction, housing, or social prescribing.
• Willingness to train as a DRO (Debt Relief Order) Intermediary.

Ready to Make a Difference? If you’re looking for a career where you can grow professionally while transforming lives, this is the perfect opportunity for you.

Apply today and start your journey towards empowering individuals and communities through financial resilience! 

Since 1899, Birmingham Settlement has been working to create opportunity and choice – connecting and empowering people through action, activities, and shared learning to build and sustain wellbeing for all.

Debt & Welfare Benefit Advisers

Salary: £30,000 pa (review after 6-months)

35 hours per week, 25 days A/L + contributory pension scheme

Birmingham Settlement is looking to build its Money Advice Team and has several vacancies for experienced Debt & Welfare Benefit Advisers.

As an experienced Adviser you will already have a background in providing effective, high-quality debt and welfare benefits advice to a wide range of clients in differing circumstances.

Based at one of our offices in Ladywood, Kingstanding, or Newtown, and with outreach work in other areas of the city we are looking for Advisers with drive, enthusiasm and a proactive approach to support our clients to get the outcomes they need. You will be adaptable, solution focused and possess excellent communication skills along with a flexible approach and ability to manage your own workload.

You will be joining a long established and professional Money Advice Team providing specialist advice with a holistic approach that covers all areas of debt and welfare benefit along with financial literacy training to build and continually improve money management and financial capability.

Our Money Advice Team sits within the overall Settlement which provides a wide range of community support services covering all ages and aspects of need, please see our website.

This is a great opportunity to join a progressive charity making a real difference to people’s lives.

 For an informal discussion about the role call Theresa Gniadkowski

This is an active recruitment; early applications are encouraged

For an application pack visit our website or email us or write to Human Resources, Birmingham Settlement Sports & Community Centre, 600 Kingstanding Road, Kingstanding, Birmingham, B44 9SH

Closing date for applications: Thursday 3rd September 2026

Interviews: To be confirmed

Birmingham Settlement is committed to Equality of Opportunity and welcomes applications from all sections of the community. Registered charity number 517303

What you will do as part of our team

• Providing a specialist advice and advocacy service to the homeless guests of our services, which include partner day centres and night shelters through the winter season.
• Employing creative thinking and practices to ensure that guests are supported and motivated to achieve their goals.
• Attending appointments with guests occasionally when needed
• Referring and signposting guests to accommodation providers, health services and other relevant internal and external support services, as necessary
• Maintaining good communication with the Managers of our partnered Drop-in Centres, Glass Door colleagues and local statutory and non-statutory services.
• Attending meetings with the casework team, external service providers and partner organisations when required
• Collating statistics and outcome measurements of the casework service for both internal and external use
• Maintaining a wel-organised and easily accessible administration system for the casework programme in line with relevant legislation (e.g. GDPR)
• Managing a small casework budget
• Undertaking any other duties, as required by the charity

Person specification

Essential

• At least one year experience of working one-on-one and assessing the needs of homeless people or similar disadvantaged client groups
• Empathetic attitude to homeless and vulnerably housed people
• Up-to-date knowledge of the welfare issues and legislation affecting homeless people
• Knowledge of relevant support services available to homeless people, particularly in West London
• Confident approach to, and experience of, dealing with challenging behaviour
• Ability to maintain good relationships with colleagues and external service providers
• Highly organised with strong time-management skills
• Ability to keep clear and up-to-date case records
• Experience and competent in MS Office packages
• Ability to work independently and take the initiative to make important decisions
• Flexible and supportive team member with excellent communication skills
• Ability to adhere to and implement Health & Safety, HR and operational policies
• Understanding of and commitment to Equal Opportunities
• For night shelter caseworkers, willingness to work a minimum of one evening per week
• This post will require an enhanced DBS check prior and during employment

Desirable

• Ability to speak Polish, Romanian or other Eastern European languages
• Experience of working alongside volunteers

Location: remote, on a hybrid basis, or office-based from Harrogate, Malton, Northallerton, Richmond, Scarborough or Selby.

Are you a qualified and experienced Money Adviser looking to use your skills to make a real difference? 

We’re looking for a qualified and experienced Money Advice Caseworker to join our advice team. You’ll use your knowledge and expertise to provide specialist advice to clients facing financial difficulties, helping them understand their options, resolve debt issues and improve their financial wellbeing. 

You’ll need a recognised money advice qualification, together with recent experience of providing debt and money advice and managing your own caseload. You’ll have strong communication and negotiation skills, a good understanding of debt remedies, insolvency options and the interaction between debt and welfare benefits, and a commitment to delivering advice that is free, confidential, impartial and independent. 

You'll be joining a supportive and collaborative team, helping people find a way forward when they're facing financial difficulties. 

The role can be carried out remotely from anywhere within the UK, on a hybrid basis, or office-based from your choice of our North Yorkshire offices in Harrogate, Malton, Northallerton, Richmond, Scarborough or Selby. 

To view the job pack and apply for this exciting opportunity please visit our website via the Redirect button.

Interview date:  8-9 September 2026

Help people across Sefton access the advice they need

Citizens Advice Sefton is looking for an experienced adviser to join our welfare benefits team, providing high-quality advice and support to people across Sefton.

You will advise clients on welfare benefits, Universal Credit, debt and wider social welfare issues, working from our offices and outreach locations including  community venues, job centres and mental health settings. You should have recent benefits advice experience, strong communication and advocacy skills, the ability to manage a busy workload, and a commitment to equality, diversity and the aims of Citizens Advice.

What we offer to our staff

You’ll join a team committed to tackling poverty and social injustice, with 28 days annual leave plus bank holidays, ongoing training, a Cycle to Work scheme and a 7% employer pension contribution.

As users of the Disability Confident scheme, we guarantee to interview all 
disabled applicants who meet the minimum essential criteria for the vacancy. We welcome applicants from diverse backgrounds, including the LGBT+ community and ethnically diverse backgrounds.

Please note: Closing date for applications: Wednesday 9th September 2026

Interviews: w/c 14th September

We're looking for an experienced money advice professional who is passionate about making a real difference to people's lives. You will have a minimum of two years' experience delivering money and debt advice, with the ability to support, motivate and develop others. Whether you're an experienced Team Leader or ready to take the next step in your career, you'll be committed to delivering high quality, person-centred services and achieving the best outcomes for clients. This role is about more than managing performance. It's about leading by example, supporting people experiencing financial hardship, poor mental or physical health, trauma, disability, homelessness or digital exclusion, and helping your team deliver flexible, relationship-based support. We're looking for someone who is compassionate, resilient, organised and solution-focused, with excellent communication skills and a collaborative leadership style, committed to continuous improvement and helping people build long-term financial resilience. 

This role forms part of the Exeter Crisis & Resilience Fund partnership, delivered by Navigate, Churches Housing Action Team (CHAT) and Encompass Southwest – the collaboration is known as Wis£rmoney. Together, we provide a seamless service that supports residents from immediate financial crisis through to long-term resilience. Our partnership combines specialist money and debt advice, welfare benefits advice, housing support, homelessness prevention, trauma-informed practice and financial education to provide holistic support for people experiencing financial hardship. Rather than asking people to navigate multiple services, we work together to ensure they receive the right support at the right time, through a coordinated 'No Wrong Door' approach. 

The Crisis & Resilience Fund Team Leader will lead the delivery of the Exeter Crisis & Resilience Service, providing operational leadership to a multidisciplinary team delivering high-quality, person-centred support to residents experiencing financial hardship, crisis and multiple disadvantage. The postholder will line manage Navigate's Client Liaison Officers and the Money Advice Caseworkers employed by partners Churches Housing Action Team (CHAT) and Encompass Southwest to ensure a seamless, coordinated service that supports individuals from immediate financial crisis through to long term resilience. As Navigate's operational lead for the contract, the Team Leader will foster strong partnership working, maintain effective communication across organisations and ensure clients experience a consistent 'No Wrong Door' approach. Alongside leadership responsibilities, the postholder will manage a small caseload of complex clients, delivering FCA-regulated debt advice, welfare benefits advice, advocacy and holistic financial resilience support. They will provide guidance and oversight for complex casework, ensuring clients receive timely, flexible interventions tailored to their individual circumstances.

The Team Leader will champion Wis£rmoney’s relationship-based, trauma-informed approach, recognising that financial hardship rarely exists in isolation. By supporting staff to build trusted relationships with clients, remove barriers to engagement and address the wider issues affecting financial wellbeing, the role will help residents achieve sustainable financial stability, independence and resilience. The postholder will also be responsible for ensuring the service meets all contractual, regulatory and quality requirements, monitoring performance, driving continuous improvement and embedding innovative ways of working that enhance client outcomes while maintaining the personalised support that is central to the service model.

Key Responsibilities

Leadership and Service Management

• Lead Wis£rmoney's delivery of the Exeter Crisis & Resilience Fund service, ensuring a high-quality, person-centred service that reflects the partnership's shared values and objectives.
• Line manage and support Client Liaison Officers (2) and Money Advice Caseworkers (2), providing regular supervision, reflective practice, coaching and annual appraisals.
• Promote a positive, supportive team culture that prioritises staff wellbeing, continuous learning and high-quality client outcomes.
• Provide guidance and support on complex casework, safeguarding concerns and risk management.
• Lead by example, demonstrating relationship-based, trauma-informed approach to supporting people experiencing financial hardship.

Specialist Casework

• Manage a small caseload of clients with complex financial circumstances requiring specialist intervention.
• Deliver FCA-regulated debt advice, welfare benefits advice, budgeting support, income maximisation and advocacy.
• Develop personalised support plans that address both immediate financial crisis and longer-term resilience.
• Negotiate with creditors, landlords, utility providers and statutory agencies to achieve the best possible outcomes for clients.
• Support clients to access appropriate debt solutions, including Debt Relief Orders and bankruptcy where appropriate. 

Quality Assurance and Compliance

• Ensure all advice delivered by Wis£rmoney meets FCA requirements, Advice Quality Standard expectations and organisational policies.
• Carry out regular case reviews, file audits and quality assurance checks to maintain consistently high standards.
• Ensure accurate and timely recording of casework using AdvicePro and associated digital systems.
• Promote excellent information governance, GDPR compliance and safeguarding practice throughout the service.
• Support preparation for contract monitoring, audits and quality inspections.

Partnership Working

• Act as Navigate's operational lead within the Exeter Crisis & Resilience Fund partnership.
• Work collaboratively with Churches Housing Action Team, Encompass Southwest, Exeter City Council and other partner organisations to deliver a coordinated 'No Wrong Door' service.
• Build strong relationships with local agencies to improve referral pathways and client outcomes.
• Represent Wis£rmoney at partnership meetings, operational groups and multi-agency forums.
• Support collaborative problem-solving and contribute to the ongoing development of the partnership.

Service Delivery and Performance

• Ensure timely allocation of referrals according to client need, complexity and risk.
• Maintain oversight of client journeys, ensuring seamless transitions from crisis intervention to longer term resilience support.
• Monitor performance against contractual targets, quality standards and key performance indicators.
• Contribute to contract monitoring reports and evaluation, ensuring outcomes and impact are accurately recorded.
• Identify emerging trends, unmet need and opportunities to improve service delivery.

Outreach, Innovation and Continuous Improvement

• Promote innovative approaches that improve accessibility, efficiency and client outcomes while maintaining personalised support.
• Support the implementation of new systems, digital technologies and service improvements across the partnership.
• Encourage reflective practice and continuous improvement, identifying opportunities to strengthen processes and remove barriers for clients.
• Keep up to date with changes in legislation, regulation and best practice relating to money advice, welfare benefits and financial inclusion.

Safeguarding and Risk Management

• Ensure safeguarding policies and procedures are fully implemented across the service.
• Provide advice and escalation support for safeguarding concerns and high-risk cases.
• Promote safe working practices for staff delivering home visits, outreach and community-based support.
• Foster a culture where safeguarding, professional curiosity and client wellbeing underpin every aspect of service delivery.

Are you passionate about supporting women to overcome challenges and make positive changes in their lives? Do you want to use your skills, experiences or lived experience to help empower women facing adversity?

If so, St Giles Trust is looking for Women’s Alliance Volunteers to join our new Women’s Alliance Service across York and North Yorkshire.

About the service

The Women’s Alliance Service is a partnership between St Giles Trust, Waythrough and Changing Lives, providing gender-responsive and trauma-informed support to women across York and North Yorkshire.

Working from Women’s Centres in York and Scarborough, alongside community-based drop-in sessions, the service provides holistic support to women facing a range of challenges. Through a partnership approach, women can access a wide range of support in one place, helping them to build stability, confidence and positive futures.

About this volunteer opportunity
As a Women’s Alliance Volunteer, you will work alongside experienced Caseworkers to support and empower women to stabilise their lives, build confidence and work towards their individual goals.

This is an excellent opportunity to gain experience in a supportive environment while making a real difference to the lives of women in your community.

What you’ll be doing

• Support women accessing the service through drop-in sessions and activities

• Help create a welcoming and inclusive environment within the Women’s Centres

• Work alongside Caseworkers to provide encouragement, mentoring and practical support

• Support women to identify positive goals and make informed choices

• Build positive relationships with clients, staff and partner organisations

• Follow safeguarding, health and safety and organisational policies and procedures

• Participate in training, supervision and reflective practice opportunities

What we are looking for

• Understanding of the possible issues faced by females involved in, or at risk of becoming involved in, the criminal justice system

• A knowledge and understanding of providing support, advice and advocacy to vulnerable clients and the ability to communicate this knowledge in a variety of ways

• Good written and communication skills, including familiarity with form filling, letter writing and advocacy and following instructions

• Ability to develop positive working relationships with other staff, volunteers, managers, and other professionals within the community

We actively encourage applications from people with lived experience of challenges such as homelessness, substance misuse, debt, involvement with the criminal justice system, domestic abuse, exploitation or other forms of adversity.

We recognise the value that lived experience brings and welcome applicants who can use their experiences positively to inspire and support others.

What we will do to support you
We are committed to helping our volunteers succeed and develop. You will receive:

• A full induction programme

• Ongoing training and development opportunities

• Regular supervision and support

• Reflective practice sessions to build your confidence and skills

• Opportunities to gain valuable experience within a supportive and professional environment

We are an equity and inclusion confident employer. We welcome all applications, and we particularly encourage applications from people of the global majority (black, brown, multi- heritage) and those who identify as disabled, neuroexpansive, neurodiverse, with any protected characteristics and/or social barriers or challenges. We value the empowering and informative impact that all lived experiences and diversity of thought can offer the organisation.

St Giles will guarantee to interview all disabled applicants who meet the minimum criteria set out in the Job Description for the vacancy.

This role requires a basic DBS check.

For queries,or require further support,please contact [email protected]

Closing date: 18th Sept 2026 at 9am. Interviews: 06th Oct 2026.