53 Debt jobs

We believe that everyone deserves to be supported in their mental health needs and we have a part to play in that.

Our work is guided by our values of:

Openness | Belonging | Strength | Collaboration

People with mental health issues are more likely to be dependent on benefits, be at risk of homelessness and in debt. We believe that advice relating to benefits, debt and housing can alleviate stress and support better mental health.

Your role in this team is to provide advice but also to be the lead advice worker across the Food Bank team – ensuring compliance with the Advice Quality Mark. You will also have the wider Manchester Mind Advice Team to connect with.

Within this post, you will play a key role in supporting people who are attending local food banks to access their rights and entitlements. You will be part of an experienced team of advice workers who work collaboratively to share skills and knowledge.

Job Title: Lead Benefits, Debt and Housing Caseworker (Food Banks)

Name of Project: Financial Inclusion Project

Salary: £33,289 - £34,273

Responsible To: Advice Service Manager

Working Hours: 35 hours per week for 12 months

(with extension possible dependent on funding)

Location: Victoria House and food banks located across Manchester

The skills and knowledge that are important to us are:

· To advise people with regards to their rights and entitlements in welfare benefits, housing and debt.

· To work in a cooperative and supportive way with staff and volunteers.

· To continuously develop your knowledge and skills.

· To work collaboratively with partners in a way that creates good working relationships.

You can download all application documents from our website.

The closing date is 5pm on Friday 16th October 2026 andinterviews will take place on Thursday 22nd October 2026.

Manchester Mind is striving to be an equal opportunities employer and welcomes applications from all sections of the community. Manchester Mind sees it as a positive advantage if you have experience of mental health issues and/or have used mental health services, or had experience of volunteering.

About the role

RAID has 4 main advice areas: Information Navigation, Benefits Advice, Energy Advice and Money Advice. The Cost of Living Crisis has disproportionally impacted Disabled people, who are more likely to face higher living costs, barriers to employment and reduced financial resilience, making it harder to cope with rising household expenses. Many of the people we see are in challenging situations; struggling with debt, experiencing food and fuel poverty, facing homeless and dealing with loneliness and isolation. The work can be emotionally challenging.

The Money Advisor will provide high-quality, accessible and person-centred money advice to Disabled people and people with long-term health conditions, supporting them to understand their financial situation, maximise their income, manage financial pressures and exercise their rights.

The Money Advisor will be required to undertake training to again gain accreditation from the Money and Pensions Service (MaPS), as part of their Quality Framework for Individuals, and will be expected to retain this qualification through continual professional development. Free training will be provided through the Wiser Adviser platform.

The Money Advisor will provide practical advice and support on a range of financial issues, budgeting, debt, household costs and financial inclusion. You will work closely with our Welfare Benefits team and undertake casework yourself as required to resolve issues.  The role will recognise the barriers created by social, economic and environmental factors and work alongside people to identify solutions that increase financial security, choice and independence.

The postholder will work within RAID's rights-based and Social Model of Disability approach, ensuring that Disabled people are listened to, treated with dignity and supported to make informed decisions about their lives.

About You

You are a knowledgeable, approachable and compassionate adviser who is passionate about helping Disabled people improve their financial security and exercise their rights.

You will have experience of providing money, welfare benefits or related advice and be confident supporting people to navigate what can sometimes be complex financial and benefits systems. You will be able to explain information clearly and in an accessible way, helping people understand their options and make informed decisions.

You will take a person-centred and rights-based approach, recognising that Disabled people can experience significant financial barriers, including additional costs associated with disability, inaccessible services, discrimination and barriers to employment and income. You will understand the importance of listening to people and working alongside them rather than making assumptions about what they need.

You will be comfortable supporting people with a range of circumstances and levels of support needs. You will be patient, non-judgemental and able to build trust with people who may have had difficult experiences when accessing services.

You will be organised and able to manage your own caseload, prioritise effectively and maintain accurate records. You will also enjoy working collaboratively with colleagues and external organisations to find practical solutions and achieve positive outcomes for the people we support.

You do not need to be an accredited money advisor to apply but you must successfully complete the required training and be able to demonstrate an interest and aptitude for money advice.

At Release, we believe that expert advice can change lives — especially for people who are pushed to the margins by poverty, stigma, criminalisation and complex legal problems. We are looking for a debt adviser who wants to do more than provide technical advice: someone who shares our commitment to social justice, dignity and practical support, and who wants to be part of a specialist legal team working alongside people at the point they need help most.

This is not a traditional debt adviser role. It is an opportunity to help shape a newly established debt unit within our legal team, creating a holistic service that responds to the full reality of people’s lives rather than treating debt in isolation. You will work alongside legal advisers and solicitors delivering free welfare benefits, debt and housing advice through our outreach services, with referrals coming directly from colleagues supporting clients with overlapping legal and financial problems. You will also provide training and support to colleagues and host centre staff, helping build confidence and understanding around debt, its impact, and how to identify when someone may need specialist advice. Many of the people we work with are facing crisis, exclusion and multiple barriers to support. In this role, you will help ensure they are met with compassion, specialist advice and joined-up support that gives them a clearer route forward.

The new Debt Adviser wil join Release’s multidisciplinary legal services team. The postholder will provide high-quality, non-judgmental debt advice to people experiencing financial hardship alongside issues such as substance use, homelessness, poor mental health, benefit problems and social exclusion. Ideally, you’ll be qualified to Level 3 Certificate in Money and Debt Advice, the Certificate in Money Advice Practice (CertMAP), or the CMA Award in Generalist Debt Advice. Should you not have these or equivalent certifications, the appointee would be required and supported to achieve a certification within an agreed timeframe.

Key Responsibilities:

Deliver specialist debt advice through direct referrals for our legal team who support clients in trusted community and treatment settings.

• Complete financial assessments, income and expenditure work, debt screening, priority-debt triage and casework using clear, accessible and trauma-informed approaches.
• Advise on appropriate debt options, including Breathing Space, Debt Relief Orders, negotiated write-offs, informal and formal repayment arrangements, and referrals where another provider is better placed to help.
• Work closely with legal advisers, drug and alcohol services, keyworkers, peer advocates, volunteers and partner organisations to support warm referrals and coordinated care.
• Record casework accurately on AdvicePro and contribute to monitoring, evaluation, quality assurance, client feedback and learning from the debt advice project.

Essential Requirements:

• At least 12 months’ experience delivering debt advice in a community, advice, legal or outreach setting.
• Strong understanding of UK debt solutions, priority debts, social security, housing-related debt and the impact of financial hardship on people in vulnerable circumstances.
• Ability to provide clear, fair and not misleading advice, based on a full assessment of the client’s financial and personal circumstances.
• Excellent written and verbal communication skills, including the ability to write accurate case notes, letters and reports in plain English

• Holidays: 29 days + public holidays
• Location: Hybrid - Spitalfields, London / Remote (minimum 3 days in the office)
• Closing Date: Thursday 17 September 2026 at 5.00pm
• Interviews: Week commencing 28 September 2026
• Start Date: As soon as possible

An enhanced DBS check will be required for the successful candidate.

We particularly welcome applications from people from Black and racialised communities, disabled people, LGBTQ+ people, people from working-class backgrounds, and people with lived experience of the issues we work on. We are committed to building a team that reflects the communities we serve, and we know that lived experience and diverse perspectives strengthen our legal practice and our work for systemic change.

Release is committed to equal opportunities.

Important Notice: For this job, Release will only consider applications from those who already have the right to live and work in the UK.  See the Home Office Immigration & Nationality Directorate for information on the UK Government's immigration policy. 

Job Title: Welfare Rights & Debt Adviser
Contract Length: One-year fixed term commencing November 2026
Hours: 37.5 hours per week
Line Manager: Advice Service Manager
Location(s): Salford
Salary: £26,400 per annum

About Us

Mind in Salford is an independent, user focused charity providing vital services to make a positive difference to the wellbeing and mental health of local people. We represent the voice of Salford in campaigning to dispel stigma and influence political, social and cultural change around mental health.

This role offers the opportunity to make a direct and practical difference to people in Salford who are experiencing financial difficulty, welfare rights challenges and mental health needs.

The Welfare Rights & Debt Adviser will:

• Deliver high-quality welfare rights advice, debt advice, budgeting support, grant applications and financial capability support to people experiencing mental health difficulties.
• Manage a caseload of clients on a one-to-one basis, ensuring advice is accurate, holistic, person-centred and responsive to individual needs.
• Contribute insight from frontline advice work to service development, partnership working and Mind’s wider campaigning activity.

Main Duties & Responsibilities

• Client advice and casework: provide welfare rights advice, debt advice, grant applications, information and support through appointments, telephone support, drop-ins and community-based settings.
• Quality and compliance: maintain accurate case records, work within agreed case-working standards, meet monitoring requirements and keep knowledge of welfare rights policy, systems and legislation up to date.
• Partnership and team working: work collaboratively with colleagues and external professionals to provide joined-up support for clients across different service settings.
• Service development: contribute to service planning, improvement activity and wider organisational learning based on client needs and service evidence.

The successful candidate will have at least one years’ experience delivering both welfare rights advice and debt advice in a relevant setting and be able to understand the wishes and needs of people using mental health services and advocate appropriately on their behalf. They will be able to engage effectively with vulnerable adults and build positive working relationships with professionals across disciplines, have good negotiation, problem-solving and organisational skills. This role will need the ability to prioritise and manage a caseload while meeting agreed case-working standards, targets and service goals, someone who can maintain accurate and comprehensive records on a client management database and someone with a commitment to equal opportunities, diversity, service user empowerment and reliable team working.

Benefits of working for Mind in Salford:

• We provide face-to-face training to strengthen your knowledge of mental health, alongside access to a learning platform with a wide range of courses across different subject areas.
• The role offers flexible working, agreed in line with service needs.
• Generous annual leave entitlement, including three days leave over Christmas.
• You will receive an additional day of annual leave for your birthday.
• You will also have access to three hours of wellbeing leave each month.

Application deadline: 5PM on Friday 2nd October 2026
Interviews will be held on Thursday 15th October 2026.

Interested?

If you would like to find out more, please click the apply button. You will be directed to our website to complete your application for this position.

We are committed to achieving equal opportunities in employment and the service we provide, and welcome applications from people with lived experience of mental health issues. We encourage applications from everyone, irrespective of age, disability, gender reassignment, race, religion or belief, sexual orientation, marriage and civil partnership and pregnancy and maternity.

We work with children and adults who may be at risk of abuse and therefore everyone is subject to a DBS check (level of check is dependent on the nature of the role) and receipt of two satisfactory references.

No agencies please.

Working within the aims, policies, and principles of the Citizens Advice Service, the MaPS-funded Community Debt Caseworker will provide specialist debt advice and casework support to clients experiencing financial difficulty and problem debt.

The postholder will deliver holistic, person-centred advice across a range of channels including face-to-face, telephone, video conferencing, email, outreach settings, and community locations across Hertfordshire, ensuring services remain accessible, inclusive, and responsive to client needs, vulnerability, and complexity.

The role requires the delivery of high-quality debt advice in accordance with Money and Pensions Service (MaPS) quality standards, Citizens Advice membership requirements, and the Debt Advice Quality Framework.

Debt Advice and Casework

• Provide specialist casework covering the full range of debt advice and debt solutions, ensuring all advice meets MaPS and Citizens Advice quality standards.
• Manage a caseload of clients with complex debt issues, including priority and non-priority debts, insolvency options, enforcement action, and financial hardship.
• Conduct detailed client assessments, including identifying emergencies, vulnerability, safeguarding concerns, and barriers to accessing services.
• Deliver debt advice through a range of channels including face-to-face appointments, telephone, video call, email, outreach sessions, and home visits where appropriate.
• Carry out Standard Financial Statement (SFS) budgeting, debt prioritisation, affordability assessments, and referral to appropriate debt remedies.
• Prepare financial statements, debt assessments, income and expenditure calculations, and supporting documentation.
• Act on behalf of clients through negotiation with creditors, enforcement agencies, utility providers, landlords, and statutory bodies.
• Prepare and present cases to statutory bodies, tribunals, courts, and insolvency services where appropriate, including Debt Relief Orders (DROs), bankruptcy applications, Breathing Space applications, and other formal debt remedies.
• Deliver holistic debt and financial capability advice, including budgeting, money management, financial resilience, and maximising income.
• Ensure income maximisation through welfare benefit entitlement checks, grants, charitable support, discretionary schemes, and other financial assistance.
• Assist clients with related issues integral to their debt case, including welfare benefits, housing, energy debt, employment, and financial exclusion, making referrals where appropriate.
• Provide tailored support to clients experiencing vulnerability, mental health issues, digital exclusion, language barriers, or crisis situations.
• Empower clients to make informed decisions and support them to improve long-term financial wellbeing and independence.
• Offer access to holistic services and onward referrals for non-debt issues to ensure comprehensive client support.
• Travel across Hertfordshire to deliver community-based outreach and face-to-face support where necessary.

Administration and Quality

• Use IT systems for case recording, statistical monitoring, reporting, and document production.
• Maintain accurate, comprehensive, and up-to-date case records in line with MaPS, Citizens Advice, GDPR, and organisational requirements.
• Ensure all casework complies with Citizens Advice quality standards, organisational procedures, safeguarding policies, and the Advice Quality Standard.
• Monitor progress of cases and ensure timely follow-up, review, and closure in accordance with service requirements.
• Contribute to achieving service targets, contractual requirements, key performance indicators (KPIs), and quality standards.
• Utilise digital systems, internal tools, and emerging technologies to support effective case management and service delivery.
• Participate in service audits, peer reviews, and quality assurance processes.
• Follow all relevant policies and procedures and undertake required training.

Research and Campaigns

• Assist with research and campaigns activity by providing anonymised client information and feedback on local debt trends and emerging issues.
• Record statistical information on client numbers, demographics, outcomes, and case types, providing reports, case studies, and analysis as required.
• Identify trends affecting local communities including financial exclusion, energy debt, cost of living pressures, and access to financial support.
• Raise awareness of local and national issues relevant to debt, poverty, financial capability, and social inclusion.
• Contribute to continuous improvement and service development initiatives.

Partnership Working and Public Relations

• Maintain effective liaison with statutory and non-statutory agencies, creditors, local authorities, housing providers, support organisations, and community partners.
• Represent the service at partnership meetings, outreach events, forums, and external bodies as appropriate.
• Work collaboratively with colleagues, volunteers, and partner agencies to ensure joined-up support for clients.
• Contribute positively to team learning, mentoring, knowledge sharing, and service improvement activities.

Professional Development

• Keep up to date with legislation, policy, and best practice relating to debt, welfare benefits, housing, consumer issues, and financial capability.
• Undertake mandatory MaPS and Citizens Advice training, including DRO, Breathing Space, safeguarding, vulnerability, and data protection training.
• Maintain MaPS-accredited advice standards and continuous professional development.
• Attend internal and external meetings, supervision sessions, development activities, and team meetings as required.
• Engage positively with feedback, reflective practice, and continuous improvement.

Other Duties

• Carry out any other duties required to ensure effective service delivery.
• Demonstrate commitment to the aims, principles, and equality, diversity, and inclusion policies of the Citizens Advice Service.
• Follow health and safety procedures and share responsibility for own safety and that of colleagues.
• Promote an inclusive and accessible service for all clients, respecting diversity and individual circumstances.

Dacorum Citizens Advice are seeking a Debt Adviser/Caseworker to join our friendly team. This post is funded by Dacorum Borough Council (Financial Inclusion).

We are seeking a qualified Debt Adviser/Caseworker( we would consider a Trainee with relevant experience)  to join our established Debt Team to provide comprehensive debt advice and casework support to clients experiencing financial hardship.

The successful candidate will provide high-quality debt advice, welfare benefits support, and income maximisation guidance to clients affected by debt and cost of living challenges. The postholder will be an approved, authorised insolvency intermediary.

The role involves supporting vulnerable and disadvantaged individuals, exploring all available debt solutions, including insolvency options and empowering clients to improve their long-term financial resilience.

A key aim of the role is to help prevent homelessness by supporting clients to manage rent arrears, priority debts, and financial crises at an early stage, while working with relevant agencies and services to achieve sustainable outcomes.

The postholder will manage a varied caseload, maintain accurate records, work collaboratively within the wider advice team, and contribute to delivering an accessible, client-focused service across office and outreach locations.

Hours: Full or part-time considered. Full-time = 35 hours per week, Monday to Friday. Part-time must be minimum of 21 hours over 3 days/week

Location: Remote in the UK, or CAKLC office based: Gravesend, Dartford, Swanley, Sevenoaks, Tonbridge or Tunbridge Wells. Some travel will be needed on occasion within Kent for meetings with colleagues and clients. There will be scope for 1-2 days/week home working, dependent on needs of the service.

Do you have experience delivering debt advice and want to help people overcome financial difficulties and build a more secure future? 

We’re expanding our specialist debt team to meet growing demand for our services. Every day, we support people facing debt, financial hardship and crisis, helping them understand their options, resolve complex issues and improve their financial wellbeing.

As a Debt Adviser, you’ll provide high-quality debt advice and casework, working with clients by telephone, video and in person. You’ll help people explore their options, negotiate solutions, maximise income and access the support they need to move forward confidently.

We’re looking for someone with:

• Experience delivering debt advice at casework level
• Strong communication and client advocacy skills
• The ability to manage a varied caseload and achieve positive outcomes
• A commitment to empowering people and improving access to justice

In return, you’ll join a friendly, supportive and forward-thinking organisation that is committed to changing lives across Kent. You’ll have opportunities for ongoing professional development, flexible working arrangements and the chance to be part of an organisation that genuinely values its people.

For further information, please download the Debt Adviser (Local) or Debt Adviser (Remote) job pack on our website via the Redirect button.

How to apply

Please send your CV, together with a short covering statement explaining why you are interested in the post and how your experience meets the role requirements.

There is no closing date — we are accepting applications until the position is filled. Early applications are encouraged.

This role is funded by The Crisis and Resilience Fund, on behalf of the UK government.

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: Tuesday 6th October 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

Role Purpose:

As a Senior Debt Adviser, you will work with, support, assist and represent vulnerable people of all ages and abilities to improve their financial situation and wellbeing. You will assess people’s circumstances and advise them accordingly. This will involve offering support and advice in income maximisation, financial capability, energy comparison, welfare benefit and specialist debt advice.

You will work with, support, and represent people of all ages and abilities, many of whom will be experiencing circumstances that make them vulnerable.

The role will involve delivering support and casework with a multi-channel approach. Some outreach visits may also be required.

Key Responsibilities:

· Working with and supporting vulnerable people of all ages and abilities to try to maximise their income and improve their financial circumstances and wellbeing. You will establish a relationship based on trust to ensure you provide the necessary support and assistance;

· Providing technical supervision to support the Debt Advice team in their roles to ensure the service is accurate, effective and tailored to the individuals’ circumstances.

· Actively seek ways of assisting the Management Team in the management of the Debt Advice service. This includes contributing to thinking about development of systems, services and staff.

· To conduct monthly case reviews of the Auriga Assist Debt Team in line with established quality standards and provide feedback with team members.

· To be the first point of contact for the Auriga Assist Debt Team on complex issues.

· Develop and manage interviews with clients using sensitive listening and questioning skills to allow clients to explain their problem(s);

· Complete an initial assessment of a client’s needs to identify areas where support is required and plan next steps/ provide support throughout the process;

· Helping people to maximise their income, provide guidance on budgeting, provide unbiased and holistic advice and guidance on how to deal with problem debt, liaising and negotiating with third parties, including statutory and non-statutory organisations as required;

· Acting on behalf of the client wherever necessary to facilitate debt relief options to include form filling, drafting, or writing letters and telephoning, supporting clients to plan, implement, and review action and provide continuing support to clients where necessary, including assistance with disputes and complaints;

· Enabling clients to act on their own behalf and empower them to set their own priorities

· Actively encourage engagement from clients referred through to the service from both internal and external sources;

· To carry a caseload of enquiries requiring detailed ongoing casework. To maintain accurate and appropriate records relating to each case, recording all activity, interventions and outcomes within the case record whilst ensuring that correct procedures are followed, to ensure quality standards are met;

· Manage your own workload, administration, and diary commitments;

· To ensure a high-quality service to customers including, but not limited to, face to face, telephone, written and emails;

· Collaborate with colleagues, stakeholders and health and social care professionals to evaluate caseload needs and the progress that has been made;

· To keep up to date and share knowledge with the team on legislation, case law, policies and procedures and undertake appropriate training as and when required;

· Able to proactively identify own training and development needs and those of others;

· Ability to work within and adhere to organisational policies and procedures and ensure work meets internal and external SLAs;

· Perform other duties commensurate with the post as required.

Requirements:

· Educated to GCSE level (or equivalent by experience);

· At least 2 years’ experience in the advice sector;

· A good working knowledge of welfare benefits and charitable trust funds; and basic knowledge of services provided by the NHS and social care services

Do you want to help lift some of the most vulnerable in our communities out of poverty? Do you want work with a small, compassionate, dynamic charity, and help change lives? If so, we would love to talk to you.

This is an exciting opportunity to join our Wandsworth Branch as a Debt Advice Case Manager, to help in our mission to ‘Restore Dignity and Renew Hope’ to those in our communities brought down by poverty and debt.

You will be expected to deliver high quality holistic and in-depth debt advice and money education on a case management basis and to support the provision of advice by volunteers.

About Crosslight

Crosslight works to lift people out of poverty and help them build a better future. We long for our communities to flourish and for no one to be left behind, and our vision for our staff and volunteers is more than just a job, it is an opportunity to make a difference. 

Crosslight was born out of the ministry of the local church and retains a strong Christian ethos which informs and underpins the values by which we operate. Our calling is to work in partnership with local churches and community organisations to serve anyone in need, irrespective of their race, gender, religion, sexuality or any other characteristics. Together with our partners, we strive to effect lasting change and increase the capacity of our clients to realise their full potential.

We are of our community and for our community – we are ‘all together’, and we would love for you to join us.

“Working for Crosslight has been life changing for me. I love the people that I work with and the supportive environment that has been created – everyone really looks out for each other. Crosslight really cares about their clients and treats everyone as an individual. It is hugely rewarding.” Sarah, staff member

About the role

This Debt Advice Case Manager role combines both technical and pastoral elements. It will involve building a client case, untangling sometimes complex situations, liaising with creditors, providing guidance for volunteers, and discerning and communicating the appropriate choices and strategies for the client. You will also need to lead client appointments and support clients through what at times can be emotionally difficult situations. Please read the Job Pack on our website for full details of the role and requirements.

Ideally, we are looking for someone with prior debt advice experience, and who has experience of working with vulnerable clients and supporting volunteers. However, we will also consider employing someone as a trainee Debt Advice Case Manager if they are able to demonstrate that they possess the skills, maturity, and determination to become proficient in this role.

• 3-5 days per week

• Being available onsite is an important aspect of this role two-thirds of your time spent in one of our Wandsworth locations or in our Head Office in Kensington. The exact split between remote/onsite working will be by agreement with the line manager and to meet the needs of the service which could change over time. This role is not suitable for remote working only.

• Salary range from £30k to £35k depending on experience, with the expectation that all desirable and essential attributes within the job description should be in evidence to achieve the top of this range (see job pack on our website)
• Competitive benefits including 27 days holiday (FTE), enhanced pension scheme, health cashback scheme, access to employee support programme incl. GP appointments

Visit our website for details of how to apply.

Salary - Grade 3 - £32,585 per annum

Contract- Fixed term until 30th June 2027 

Location- Blackburn Central Library with outreach work in Lancashire

Hours- Part time - 28 per week

Closing date: Sunday 20thSeptember 2026 at 11:30pm

Do you have experience of providing debt advice and advocacy? Then join Shelter as a Debt Adviser and you could soon be playing a vital role in standing up to the housing emergency.

About the role

Your role will manage a varied caseload providing high quality debt and housing related advice and support. You will need to work flexibly across the Lancashire area, including Blackpool. Working with clients you will do an initial needs assessment and develop support/case plans with aim of maximising their income by reducing outgoings, assessing affordability, setting up budgeting plans, helping to secure a home and repay debts.

We are happy to talk about flexible working, personal growth, and to promote a workplace where you can be yourself and achieve success based only on your merit.

About you

You will need experience of providing debt advice and advocacy and the ability to carry out casework related interviews, maintain detailed case records and deliver group workshops and presentations. You will need the ability to communicate effectively with a wide variety of stakeholders, particularly those with lived experience of homelessness, as well as collaborating with people from other teams and organisations.

Benefits

We offer a wide range of benefits, including 30 days of annual leave, enhanced family friendly policies, pension and interest free travel loans. Our employees also have access to a tenancy deposit loan, payroll giving, cycle to work scheme and an employee assistance programme.

About the Team

Lancashire hub’s local community priorities are homelessness and temporary accommodation, social housing and private rented sector and individuals and communities living in poverty.

About Shelter

Home is a human right. It’s our foundation and where we thrive. Yet every day millions of people are being devastated by the housing emergency.

We exist to defend the right to a safe home. Because home is everything.

We need ambitious, passionate people to join us. This is your chance to play a part in the fundamental change we are striving to achieve.

Our enemy is the social injustice at the core of the escalating housing emergency. To win this fight, we must be representative of the people we are here to help and those who support our movement. In all our people decisions, we take pride in being inclusive, equitable and transparent. We are committed to combating racism both within and outside Shelter. We welcome you on our journey to becoming truly anti-racist.

How to Apply

Please submit your work history and a supporting statement with responses to the first four 'About You' points outlined in the job description. The supporting statement should be no more than 1500 words in total. Please provide specific examples following the STAR format and ensure you demonstrate how you address the behaviour below throughout your responses:

• We prioritise diversity and have an inclusive and open mindset

Any applications submitted without a supporting statement will not be considered.

Safeguarding Statement

Safeguarding is everyone's business. Shelter is committed to protecting the health, wellbeing and human rights of those we support, and enabling them to live free from harm, abuse and neglect. All our staff will be expected to observe professional standards of behaviour and conduct their work in line with our Safeguarding Policies.

Shelter does not accept unsolicited CVs from external recruitment agencies nor accept the fees associated with them.

About Toynbee Hall

Based in the East End of London since 1884, Toynbee Hall is a charity working alongside people facing poverty, injustice, and inequality to build a fairer East London. We provide vital advice and support, working in partnership to tackle unfairness and ensure everyone has an equal chance to thrive.

Job purpose

The Senior Advice Manager is responsible for the effective day-to-day management and coordination of Toynbee Hall’s debt advice services across multiple locations. The postholder will ensure services are appropriately resourced, accessible and delivered consistently, meeting agreed contractual, quality, compliance and performance requirements.

The Senior Advice Manager will manage and develop Debt Advisers, Trainee Debt Advisers and Administrators; monitor service performance and capacity; address operational issues and risks; and ensure appropriate action is taken where performance or quality falls below expected standards.

Working closely with the Head of Debt and Money, Quality Assurance and Technical Supervision colleagues, the postholder will use performance information, quality findings and operational insight to identify areas for improvement and ensure agreed actions are implemented.

Key Responsibilities

Management of local sites to ensure all services are available.

• Ensure local services are available daily by effectively managing staffing, sickness, annual leave, emergencies and operational challenges.
• Work closely with internal teams, external contractors and local stakeholders to ensure all sites operate safely, efficiently and in line with organisational standards.
• Identify resource gaps, operational risks and service pressures, implementing solutions to maintain service delivery and performance.
• Build and maintain strong relationships with local authorities, housing providers, community organisations and partner agencies, representing Toynbee Hall at meetings, networking events and community engagement activities to strengthen referral pathways.

Line management of a team to ensure objectives are set and met

• Lead, motivate and support the team to achieve agreed service, quality, compliance and performance objectives.
• Conduct regular one-to-one supervision, team meetings and performance reviews providing constructive feedback and clear expectations.
• Coach, mentor and develop staff, identifying learning and development needs supporting career progression and fostering a culture of continuous improvement.
• Provide technical guidance and support on complex debt advice cases, ensuring advisers deliver accurate, compliant and client-centred advice.

Ensure compliance and the quality of advice required are achieved

• Ensure the team consistently delivers high-quality, client-focused debt advice in line with FCA requirements, funder expectations and Toynbee Hall policies.
• Monitor case quality through audits, supervision, management information and performance data, implementing improvement plans where required.
• Analyse service performance and management information, identifying trends, risks and areas requiring action, and provide recommendations to the Head of Debt and Money.
• Ensure case files meet all quality assurance, audit and contractual standards.
• Manage and respond to complaints relating to debt advice service delivery in line with Toynbee Hall’s complaints procedure, ensuring appropriate investigation, timely resolution and that learning is used to improve service delivery.

Essential Criteria

Experience and Skills 

• Significant experience of managing frontline advice services and managing highperforming teams to achieve service, quality and performance objectives.
• Demonstrable experience of line management, including supervision, performance management, coaching, mentoring and staff development, including effectively addressing underperformance.
• Experience of delivering regulated debt advice services and having management responsibility for maintaining high standards of quality, compliance and client care. • Proven ability to provide technical guidance and appropriate support on complex debt advice cases, working within agreed technical supervision and escalation arrangements.
• Hold a recognised debt advice qualification (e.g. CertMAP or equivalent) with demonstrable experience of delivering FCA-regulated debt advice and supporting the quality and development of debt advice practice.

Communication and Interpersonal Skills

• Excellent leadership, communication and interpersonal skills, with the ability to
  inspire and motivate others.
• Ability to build positive relationships with colleagues, partners, funders and external
  stakeholders.
• Excellent written and verbal communication skills.

Our Benefits Package

Annual Leave

• 25 days of annual leave, plus 3 additional days for our Christmas shutdown (on top of bank holidays).
• After 2 years: +3 extra days of leave.
• After 3 years: +1 additional day.
• After 5 years: A total of 30 days annual leave, plus the 3-day Christmas shutdown.

Pension

• Standard Life Pension Scheme – Employer contribution: 4%, Employee contribution: 5%

Additional Perks & Support

• Enhanced Sick Pay for peace of mind during illness
• Enhanced Maternity & Paternity Leave to support growing families
• Employee Eyecare Vouchers to support your vision health
• Employee Assistance Programme for free, confidential advice and support
• Mental Health First Aid to ensure workplace well-being
• Tenancy Deposit Scheme to help secure your home
• Interest-Free Season Ticket Loan for cost-effective commuting
• Cycle to Work Scheme to promote a healthier, greener way to travel
• Charity Mentoring Network to support professional development and networking
• Westfield Healthcare Cash Plan
• Perk Box

Further information

We reserve the right to close this vacancy early should we receive a sufficient number of suitable applications. 

Applicants must have the right to work in the UK. 

Please refer to the attached job description for more details

About the Role

We are seeking a dedicated and compassionate Mental Health Debt and Benefits Advisor to join our team. This is an exciting opportunity to make a meaningful difference to the lives of people experiencing mental health challenges by providing specialist welfare benefits and debt advice.

You will support clients to maximise their income, address debt issues, improve financial wellbeing, and overcome barriers that impact their recovery and quality of life. Working closely in West Sussex with healthcare professionals, community services, and partner organisations, you will provide a holistic advice service tailored to individual needs.

As a Mental Health Debt and Benefits Advisor, you will:

• Provide specialist benefits advice and debt casework to individuals affected by mental health problems.
• Take an income maximisation approach by identifying grants, charitable funding opportunities, and other sources of financial support.
• Complete benefit application forms and assist clients with mandatory reconsiderations, appeals, and challenges to benefit decisions.
• Deliver timely, accurate, and person-centred advice, ensuring clients receive a holistic service that addresses wider support needs.
• Provide advice across a variety of settings, including hospitals, healthcare outreach locations, community venues, and office environments.
• Develop strong working relationships with healthcare professionals, referral partners, and internal teams to manage referrals and progress client cases effectively.
• Support clients through multiple communication channels, including face-to-face appointments, telephone, email, video conferencing, and written correspondence.
• Ensure compliance with Advice Quality Standard (AQS) requirements, organisational policies, and quality assurance procedures.
• Maintain accurate case records, client outcomes, monitoring information, and funder reporting requirements using case management systems.
• Meet personal and team performance targets while contributing positively to service development and continuous improvement initiatives.
• Participate actively in team meetings, supervision, training, and professional development activities.

We are looking for someone who has:

• Experience of providing welfare benefits advice and/or debt advice.
• Knowledge of the UK benefits system, including disability and means-tested benefits.
• Understanding of debt advice processes, budgeting, and income maximisation.
• Experience supporting vulnerable clients with complex needs.
• Strong interviewing, communication, and advocacy skills.
• Ability to manage a varied caseload and prioritise competing demands effectively.
• Experience maintaining accurate records and using case management systems.
• Ability to work collaboratively with external agencies and multidisciplinary professionals.
• Commitment to equality, inclusion, client confidentiality, and safeguarding principles.

A Trainee post may be considered for right candidate

A DBS will be required for this role

Citizens Advice Croydon is a leading provider of legal advice and information, supporting thousands of clients every year.  We deliver high quality advice and are looking for someone who will be committed to delivering excellent customer service and working to the highest standards.

The successful candidate will ideally have completed the Citizens Advice Energy training and/or the NEA Level 3 City and Guilds Level Energy Awareness training.  However, if you have at least one year's experience of providing generalist advice, particularly welfare benefits, debt or housing advice, then this role could be a development opportunity for you.

In this role you will assess each client's situation in depth, identifying the most appropriate strategies to support with energy related matters, including exploring every opportunity to maximise income.  Energy advice includes the following types of support: 

• checking and understanding utility bills and tarriffs
• energy saving tips
• energy efficiency measures
• reading and understanding meters/smart meters
• energy debt management and crisis support
• winter fuel payments
• warm home discounts
• priority services register

You must be confident in providing advice to clients on an individual basis as well as through group activity such as energy workshops.

We offer a warm and friendly working environment, hybrid working arrangments, generous leave and other staff benefits and the opportunity to develop professionally.

Empower people. Build confidence. Change lives.

Salary: £28,804 per annum
Contract: Fixed-term, 30 months
Hours: Full Time – 37.5hrs per week

Harrogate Homeless Project is seeking a compassionate, motivated and resilient Life Skills Coach to join our dedicated support team.

Every day, we help people experiencing homelessness take positive steps towards a brighter future. As a Life Skills Coach, you will play a key role in helping individuals develop the practical skills, confidence and resilience needed to live independently and maintain a stable home.

This is an exciting opportunity to make a genuine difference in people’s lives, supporting individuals as they move from homelessness towards greater independence, wellbeing and long-term stability.

About Harrogate Homeless Project

Harrogate Homeless Project provides people experiencing homelessness with a safe place to stay and the support they need to build confidence, develop independence and move forward with their lives.

Everything we do is guided by our values of Hope, Empowerment and Teamwork, and we are looking for someone who shares our commitment to helping people achieve lasting positive change.

About the Role

Working directly with people accessing our services, you will provide tailored one-to-one support and deliver engaging group workshops that help individuals gain essential life skills.

You will support people to improve their financial wellbeing, maintain their health and wellbeing, prepare for independent living and develop the confidence required to sustain successful tenancies. You will also continue to provide support to individuals after they leave HHP accommodation, helping them maintain their homes and avoid returning to homelessness.

No two days will be the same, but every day will offer the opportunity to help someone move closer to achieving their goals.

Key Responsibilities

One-to-One Coaching and Support

• Conduct assessments to identify clients’ strengths, aspirations and barriers to independence.
• Develop personalised action plans alongside service users and support staff.
• Provide practical guidance around budgeting, debt management, benefits, cooking and healthy living.
• Support clients to understand tenancy rights and responsibilities.
• Help individuals prepare for independent living and maintain successful tenancies after moving on from HHP accommodation.
• Build positive, supportive relationships that encourage confidence, resilience and personal growth.

Group Workshops and Activities

• Design and deliver engaging workshops covering life skills, literacy, digital skills, communication and emotional wellbeing.
• Support service users to develop practical financial skills, including budgeting, saving and accessing appropriate benefits.
• Work alongside colleagues to organise activities that promote physical health, mental wellbeing and social inclusion.
• Encourage and support clients to maintain a clean, safe and healthy living environment.

Partnership Working and Administration

• Maintain accurate and confidential records of support provided and progress achieved.
• Work collaboratively with HHP colleagues and external agencies to deliver holistic support.
• Signpost clients to specialist services including mental health support, addiction recovery services, housing providers, training and education opportunities.
• Contribute to a positive, supportive and person-centred culture across the organisation.

About You

We are looking for someone who is passionate about helping people overcome challenges and build better futures.

Why Join HHP?

At Harrogate Homeless Project, you’ll become part of a supportive team dedicated to helping people rebuild their lives. This role offers the opportunity to make a lasting impact, develop meaningful relationships with service users and contribute to an organisation that is transforming lives across our community.

If you are passionate about empowering people, promoting independence and creating positive change, we’d love to hear from you.

Benefits Include

• Opportunities for professional development and training.
• 33 days annual leave (including bank holidays) plus birthday leave.
• Healthcare package.
• Travel benefits.
• Workplace pension scheme.
• The opportunity to make a real difference in the lives of women experiencing homelessness.

How to Apply

Please send your CV and a brief covering letter to Iain McLeod or call for an informal conversation about the role.

Closing Date: 4 October 2026

We will assess applications as they are received and interview suitable candidates on a rolling basis. Therefore, we reserve the right to close this vacancy earlier than the stated closing date if a suitable candidate is appointed. Early applications are encouraged.

Harrogate Homeless Project is committed to safeguarding and promoting the welfare of vulnerable adults and expects all staff and volunteers to share this commitment.