Money advice caseworker jobs

Responsible to: Operations Manager 

Role purpose: To supports people in the local community through the provision of holistic Money, Debt and Budgeting Advice 

Salary Scale:2.1 – 2.4.  £27,495 - £29,400 FTE. P/T hours will be considered

Key work areas and tasks 

Provision of advice and casework 

• Provide money advice and casework covering the full range of debt advice topics including priority and non-priority debt and money advice issues 

• Identify urgent situations and ensure any possible action is taken immediately 

• Assist clients with related issues integral to their debt case such as welfare benefits advice, housing, other financial matters and income maximisation (incorporates applications for grants and other welfare schemes) 

• Work with the client to draw up an agreed financial statement incorporating the Standard Financial Statement 

• Enable clients to identify and explore various options they may have in addressing their situation explaining the consequences and limitations of each option 

• Assist clients in the calculation of offers to priority and non-priority creditors with reference to their Financial Statement.  

• Where appropriate undertake negotiations with clients’ creditors and other relevant bodies and/or act for the client by drafting or writing letters and telephoning and negotiating with third parties as necessary 

• Prepare and present cases to the appropriate statutory bodies and courts as required including DRO, Breathing Space and bankruptcy applications 

• Maintain timely, accurate and detailed case records and adhere to administration systems 

• Maintain statistical information and other required documents and undertake client feedback surveys and facilitate client evaluation 

• Manage an agreed caseload of debt and money advice cases 

• Ensure all work casework conforms to Operational Policy including meeting the requirements of the Advice Quality Standard, FCA and MAPS 

• Provide basic welfare benefits advice to clients, to include assessing eligibility for benefits, better-off calculations and other income maximisation advice 

• Assist clients with other problems, referring to other advisers and/or agencies as appropriate 

• Provide representation for clients at county or magistrates courts when appropriate 

• Provide support, guidance and supervision to the money advice trainee caseworker/caseworker’s assistant and other less experienced staff and volunteers 

Research and Campaigns (social policy work) 

• Assist with social policy work by providing information about clients' circumstances through the appropriate channel.

• Research and campaigns, monitoring and relationship building.  

• Assist with the development and implementation, in conjunction with the Operations Manager and in consultation with other charity workers, the Charity’s Research and Campaigns Plan.  

• Assist with research and campaigns work by providing information about clients' circumstances through the appropriate channel.   

Administration 

• Maintain and monitor effective and efficient administrative systems.

• Monitor health and safety policy with regard to staff, equipment and premises within statutory requirements.

• Ensure complaints are brought to the Manager’s attention as soon as is practicable. 

Training and Development 

• Identify and implement own training and development needs (in consultation with the Operations Manager).   

• Identify the training needs of charity workers through support and supervision and contribute towards the charity’s training and development plans. 

• Contribute to organising training activities in conjunction, as appropriate, with the Operations Manager. 

Other Duties and Responsibilities 

• Abide by health and safety guidelines and share responsibility for own safety and that of colleagues.   

• Abide by data security and information assurance guidelines.  

• Ensure that work undertaken reflects and supports the Citizens Advice service’s equality and diversity strategy   

• Any other relevant tasks or duties required to ensure the effective running of the charity and our services. 

• To contribute to the induction and on-going training of charity workers within the team.  

Person specification  

Essential criteria 

• Qualified and competent money advice and debt caseworker holding the relevant accredited quality standard and other competencies set down by Advice Quality Standard, Money and Pension Service, FCA and/or Institute of Money Advisers 

• Demonstrable and thorough understanding of the application of the debt process in a busy advice organisation and of doing so in a client- centred and efficient way including through working on a Money Advice Service or MAPS funded programme 

• A positive approach to quality of advice audit (including peer review and external audit) and a commitment to constructive feedback as part of the quality assurance and learning process (as a recipient and 

• as a supervisor) 

• The ability to sift through large amounts of information and gather essential details during a client interview 

• Excellent negotiation skills with experience of conducting negotiations with a range of agencies and creditors 

• Proven ability to plan and prioritise your workload, meet deadlines and work calmly and with focus within a busy and fast paced environment 

• Experience of using a casework recording and quality assurance system and IT platforms 

• Experience of providing effective guidance and support to peers and junior colleagues and the ability to plan and co-ordinate the workload of others 

• Experience of working effectively within a team including paid and volunteer staff 

• Excellent communication skills (spoken and written) and the ability to develop and maintain positive, professional, working relationships with clients, funders, stakeholders, colleagues, volunteers, creditors and other agencies 

• Proven IT skills including very confident and competent use of Word, Excel, databases, cloud-based systems etc to maintain effective records, administrative and reporting systems 

• A commitment to travelling to various locations as required 

• Understanding of the issues affecting society and their implications for clients and service provision 

• Understanding of and commitment to the aims and principles of the CA service and its equal opportunities policies 

Desirable criteria 

•   Hold a current registration as a DRO intermediary 

• Experience of working within a Citizens Advice charity   

• Experience of working with the public in an advisory capacity  

Talking Money is looking for a compassionate, creative problem solver to join our team of dedicated specialist debt and welfare benefits advisers.

You will help people on low incomes build financial security by providing clear, compassionate and high-quality welfare benefits and debt advice and casework. You’ll work collaboratively with colleagues and partners to strengthen people’s confidence, understanding and capability and to identifying barriers within local systems (for example, within the local authority) and contributing to efforts to reduce these. 

Your work will be rooted in a person-centred approach—flexible, respectful and tailored to each individual. Everything you do will help us deliver our organisational purpose: 

“Help me with my money worries, in a way that suits me, so that I can get on with my life.” 

About Talking Money  

Talking Money is an independent charity providing free, expert money advice across Bristol and South Gloucestershire. Demand for our services continues to rise.  

Our approach is:  

• Integrated: addressing debt, benefits, energy/fuel poverty, income and wellbeing together.  

• Person-centred: psychologically informed, strengths-based and empowering.  

• Practical and impactful: securing income gains, writing off unmanageable debts, preventing eviction, reducing stress and anxiety and improving knowledge and confidence.  

We are looking for someone with:

• Strong experience delivering welfare benefits advice and casework to people facing financial hardship. 

• Passion for improving the lives of the people who we work with. 

• A willingness to learn debt advice to a generalist level. 

• Commitment to working collaboratively with colleagues and clients.

Hours: 30 – 37.5 hours a week (0.8 - 1.0 FTE) 

Contract term: Permanent

Location: Hybrid working negotiable but majority of time in office is required to deliver advice as part of a supporting, collaborative team. 

Salary: Grade 5 SCP 19-25 (approx. £32,000 - £35,000 FTE for FY26-27) 

Reporting to: Leadership Team 

Holiday entitlement: 25 days FTE pro rata (rising to 30 days after 5 years) + bank holidays.

Before You Apply

Don’t meet every single requirement?

Studies have shown that women and people of from minoritised ethnic communities are less likely to apply to jobs unless they meet every single qualification.

At Talking Money, we are dedicated to building a diverse and inclusive workplace, so if you’re excited about this role, but your experience doesn’t align perfectly with the criteria, we encourage you to apply anyway. You may be just the right candidate for this or other roles and lived experience goes a long way. Still not sure? Talk to someone at Talking Money about the role to see if it sounds like something you would be great at doing: telephone Nick Leaman  on 07496 441 494 or email (see application method for address) 

Access

Do get in touch if you would like any of this information in another format, or if you would like to apply in another format. 

If you are shortlisted, Talking Money will work with candidates to ensure their access needs are met during the interview process and will ensure access requirements are not a factor in decision making. 

Application Process

To apply please email your CV and cover letter (max of 2 sides of A4) to our recruitment address (see application method for details)​

If you have queries about the role, please contactNick Leaman by email or telephone 07496 441 494.

Application Timeline 

Applications close: 17.30pm on Sunday 12th April 

Shortlisting: Monday 13th April 

Interviews:Tuesday 21st April 

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 Benefits Adviser

 Salary: £30,000 pa

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

Birmingham Settlement has an opportunity to join our Money Advice Team as an experienced Debt & Welfare Benefits Adviser.

As an experienced Debt & Welfare Benefits 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 circumstance.

Based at our Newtown office with outreach work in other areas of the city, you will be adaptable with excellent communication skills, flexibility, and the 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 training to build and continually improve money management and financial capability.

 This is a great opportunity to join a progressive charity making a real difference to people’s lives – see our website 

 For an informal discussion about the role call Theresa Gniadkowski 

PREVIOUS APPLICANTS NEED NOT APPLY

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 30th April 2026 at 5pm

Interviews: Friday 8th May 2026

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

For over 140 years, the Forces Employment Charity has proudly supported Service leavers, veterans, and their families in building successful civilian careers. We provide veterans with life-long, life-changing support, jobs, and training opportunities, regardless of circumstances, rank, length of service, or reason for leaving.

By working for FEC, you will become part of a vibrant team living the charity’s values: Expert, Supportive, Passionate, Open and Honest, Resilient, and Collaborative.​

Brief role description:​

You will provide support to all new prisoner arrivals at the HMP Millsike reception, ensuring a thorough induction process is completed to include a detailed briefing specific to the support that will be offered to veterans by OpNOVA and the other providers within HMP Millsike.​

Please note this role is subject to an Enhanced Disclosure & Barring Service (EDBS) check and Prison Vetting conducted by the Ministry of Justice. Both must be successfully completed before employment can commence.​

Interested? Want to know more about the Charity? check out our Website.​

Eager to know more the role? Have a look at the Job Description.​

What’s in it for you? Check out our Benefits.​

Have we convinced you to apply? If so, submit your CV and Covering Letter by closing date, ​Friday, 10 April 2026. ​

Got questions about the role? ​Get in touch with the People Team.

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Please note: Applications will be reviewed and interviews conducted throughout the duration of this advert; therefore, we may at any time bring the closing date forward. We encourage all interested applicants to apply as soon as possible. If you are an internal applicant, please ensure you have made The People Team aware before applying.

We are committed to equal opportunities and improving the working lives of our staff by fostering an inclusive, supportive environment where everyone, including those with disabilities, can thrive, develop, and achieve their full potential. We actively encourage applications from individuals with diverse backgrounds and ensure reasonable adjustments are made to support candidates with disabilities throughout the recruitment process.​

We actively recruit citizens of all backgrounds, but the nature of our work in specific departments means that residency and security requirements can be more tightly defined than others. You will be asked about this throughout the recruitment process.