Location
Bristol
Position
Finance
Closing Date
21 Jan 2026

About The Role

Motability Operations are currently recruiting for a Customer Accounts Analyst to join our team in Bristol on a full-time, 12-month FTC/Secondment. Reporting to the Customer Accounts Team Leader, this role is responsible for managing and proactively pursuing outstanding debt and balances across customer and agency agreements.
 
You’ll play a key role in ensuring payments are accurately reconciled, arrears are followed up in a timely, fair, and compliant manner, customers — including those experiencing financial vulnerability — are treated fairly and supported appropriately, and relationships with external partners are maintained effectively and professionally.
 
This is an excellent opportunity to build or further develop experience within a fast-paced finance and customer accounts environment, balancing analytical work with high-quality customer engagement and responsible debt recovery activity.
 
 You’ll manage a varied workload combining proactive debt recovery, customer contact, account management, and problem solving, with a strong focus on positive, compliant, and fair customer outcomes.
 
 Key Responsibilities
  •  Manage, monitor, and proactively pursue outstanding debt and balances on customer and agency agreements.
  •  Proactively contact customers through inbound and outbound calls, as well as written communication (email and letters), to discuss arrears, understand reasons for non-payment, and resolve account queries.
  •  Negotiate realistic and sustainable repayment arrangements, demonstrating empathy, professionalism, and an understanding of financial vulnerability, while confidently applying policy and saying no where appropriate.
  •  Identify and respond appropriately to indicators of financial vulnerability, ensuring customers receive the right level of support and are treated in line with regulatory and company expectations.
  •  Reconcile lease rental agreements accurately and in a timely manner.
  •  Work closely with third-party organisations, including the DWP, Social Security Scotland, the Veterans Agency, and other external partners, to resolve payment and account issues.
  •  Work closely with In-Life Customer Services and other relevant internal stakeholders to ensure customers are supported appropriately, consistently, and in line with company policy.
  •  Manage your own workflow and priorities effectively in a high-volume, KPI-driven environment.
  •  Analyse outcomes, identify trends, and suggest improvements to debt recovery processes and team performance.
  •  Take ownership of tasks, ensuring they are completed accurately, compliantly, and within agreed timescales.
Working pattern:
35 hours per week, between 8am and 5pm, Monday to Friday.

About You

We’re looking for a customer-focused, resilient, and well-organised individual with the confidence to handle sensitive financial conversations. You’ll be comfortable engaging with customers who may be experiencing financial difficulty, showing empathy while maintaining professionalism and policy adherence.
 
You don’t need a formal financial background to succeed in this role, although this would be beneficial. What matters most is your experience in customer contact roles, your ability to communicate clearly and empathetically, and your capability to balance multiple priorities while delivering a positive customer experience.

You’ll Be Someone Who Has:
  • Experience in a customer service or consumer credit control / collection’s role.
  • Excellent telephone manner, with strong written and verbal communication skills.
  • The ability to handle high-volume inbound and outbound customer contact while maintaining attention to detail.
  • Confidence proactively pursuing debt while empathising with customers experiencing financial vulnerability.
  • The ability to negotiate repayment plans that are fair, realistic, and sustainable.
  • A calm and professional approach when dealing with complex or challenging situations.
  • Strong organisational and time-management skills, with the ability to self-manage workload.
  • A proactive mindset, with a desire to improve processes and outcomes.
  • Strong attention to detail and a problem-solving approach.
Minimum criteria:
  •  Previous experience in a customer service or credit control / collection’s role, ideally within a telephone-based environment.
  •  Experience proactively pursuing outstanding debt while handling sensitive customer conversations with empathy and professionalism.
  •  An ability to recognise and respond appropriately to financial vulnerability.
  •  Proficiency in Microsoft Office, particularly Excel.
  •  Strong attention to detail, with the ability to maintain accurate and up-to-date records.
  •  Strong organisational skills, with the ability to manage time and tasks effectively with minimal supervision.
  •  The ability to remain composed and effective in a fast-paced, target-driven environment.

About The Company

Motability Operations is a unique organisation, virtually one of a kind. We combine a strong sense of purpose with a real commercial edge to ensure we provide the best possible worry-free mobility solutions to over 800,000 customers and their families across the UK. Customers exchange their higher rate mobility allowance to lease a range of affordable vehicles (cars, wheelchair accessible vehicles, scooters, and powered wheelchairs) with insurance, maintenance and breakdown assistance included. We are the largest car fleet operator in the UK (purchasing around 10% of all the new cars sold in the UK) and work with a network of around 5,000 car dealers and all the major manufacturers. We pride ourselves on delivering outstanding customer service, achieving an independently verified customer satisfaction rating of 9.8 out of 10.

Our values are at the heart of everything we do. They represent ambition, and we look for our people to live and breathe them every day:

  • We find solutions
  • We drive change
  • We care

We operate hybrid working across the organisation where we split our time between working on-site at our offices, and at home, remotely within the UK. We believe hybrid working achieves a good work/life balance for our colleagues, allowing us to connect with each other, collaborate on important work, and perform together to deliver for our customers.  It allows us to have the flexibility to work remotely up to 2-days per week whilst also using the great office spaces we have available.

As a Motability Operations team member, you can expect:

  • An annual discretionary bonus
  • 15% non-contributory pension (9% non-contributory pension during probation period)
  • Life assurance at 4 times your basic salary to give you peace of mind that your loved ones will receive some financial help
  • Employee Discount Scheme with a huge number of retailers and an app to save on the go
  • Discounted Electric/Hybrid Car Salary Sacrifice Scheme
  • Access to the Cycle to Work Scheme (we have showers, changing rooms and secure bike sheds on site)

As well as financial benefits, our staff's health and well-being are very important to us, so we also offer:

  • 28 days annual leave with option to purchase and sell days
  • Funded Private Medical Insurance cover
  • Critical illness insurance
  • Free access to healthcare apps, such as Peppy, Unmind, Aviva Digital GP
  • Funded health screening for over 50s
  • 1 day per year to volunteer – Staff can support a local charity or do a sponsored event whilst being paid for it
  • Access to our fully accessible company allotment – Where we grow our own produce for local charitable organisations
  • Access to Prayer room and quiet spaces whilst working in the office

We also understand that not everyone is the same so offer several voluntary benefits that you can select outside the core package, these include;

  • Dental Insurance
  • Health and cancer screenings for you and your partner 
  • Discounted gym memberships
  • Charitable giving

At Motability Operations, we believe in building a diverse workforce, where our people are empowered to attend work as their true selves, and we encourage people from all backgrounds to apply.  We want to sustain a culture that nurtures, where employees are free to flourish and where they’re rewarded equally, regardless of race, nationality or ethnic origin, sexual orientation, age, disability, or gender.

We pride ourselves on being an inclusive employer and as such, all our offices provide first rate disability access. With our hybrid working environment, we do our best to accommodate part-time and flexible working requests where possible, building on our culture of trust, empowerment, and flexibility.

Please note, Motability Operations reserves the right to bring forward the closing date of any of its job vacancies if we receive a suitable number of quality applications from which to make a shortlist. Therefore, we recommend that you apply as soon as possible rather than wait until the published closing date. 

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