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Investigator, Consumer Credit – Manchester

Make a positive difference to financial services

Contract: Permanent

Working hours: full time (35 hours pw) and part time (28 hours pw)

Salary: £32,577 pa (full time), £26,061.60 pa (part time)

Reporting to: Ombudsman Manager

Start date: 16th November 2026

Our current hybrid policy requires 4 days per fortnight in the office.

Join our ‘Becoming an Investigator’ recruitment network and be one of the first to hear about upcoming opportunities in your area: here

As part of your induction, you’ll need to spend your first week in our London office. We will cover your expenses for your time in London.

About us

The Financial Ombudsman Service is an independent, not-for-profit organisation that plays a vital role in UK financial services. Every day we help resolve disputes between consumers, or small businesses, and their financial service providers.

The complaints we deal with vary. A customer might be having trouble with their bank account, struggling with payday loans, think an insurance pay out isn’t fair, or be worried about their mortgage.

If we believe a customer hasn’t been treated fairly, we’ll ask the business to put things right. If we think the business isn’t at fault, we’ll explain why. The decisions we make have a huge impact: they can be life-changing for individuals, and they provide insights which are useful for financial businesses.

By joining us as an Investigator, you’ll play a key role in Consumer Credit products. Each case and each customer are different. No two days are ever the same and sometimes the work is demanding, but it’s a job that makes a real difference and you’ll be rewarded with generous benefits as well as job satisfaction. 

Key responsibilities

As an Investigator new to the role, you’ll spend up to six months in our academy getting the training you need to make fair and reasonable decisions with certainty. After that, you’ll work as part of a team, supported by an Ombudsman Manager, overseeing your own caseload and prioritising your work.

You’ll be responsible for:

• Investigating complaints about Consumer Credit products

• Managing your caseload effectively to reach targets

• Managing relationships with our customers – both consumers and financial businesses

• Examining evidence to get to the heart of each complaint

• Weighing up all sides of a story and assessing the relevant rules and regulations to make fair and reasonable decisions

• Communicating with empathy – listening carefully to both sides, asking the right questions and using sound judgement, and

• Communicating your findings clearly, explaining what you think and why through a clear and structured written response

Person specification

You’ll be a self-starter who can prioritise tasks and work well independently. You’ll have great people skills and an analytical, problem-solving mind.

You may have experience in customer services, sales or retail, in a legal/paralegal role, or have worked in casework, claims or investigative work for another public agency.

Minimum (Essential) Criteria

• Demonstrable experience working in related Consumer Credit products

• Expertise making fair and balanced decisions, where you must articulate your thinking clearly

• Excellent communication skills, including a talent for listening and explaining things in clear language as well as good written English

• Experience providing excellent customer service with people who may be angry or upset

• Critical thinking, problem solving and finding constructive solutions

• Strong administrative skills and the ability to prioritise your workload

• History of working to meet targets or service level agreements

Desirable Criteria

• Knowledge of financial products

• Relevant qualifications within Consumer Credit

• Experience in decision making or investigative roles for example, legal, paralegal, casework or claims

Why the Financial Ombudsman Service?

We’re a UK-wide service, with strong values and a diverse workforce, where you can be your authentic self. We’re committed to being a great place to work and to recruiting people from all backgrounds. So, as well as a competitive salary, we offer a great package of benefits, including:

• Core benefits including generous pension, life assurance, critical illness cover, income protection, personal accident cover, private medical insurance, virtual GP

• Optional benefits including travel insurance, technology scheme, cycle to work scheme, dining and lifestyle memberships, dental cover

• Holiday entitlement of 25 days, with the option to buy or sell extra days (full time equivalent)

• Discounts on your everyday shopping, from groceries and petrol to household goods and gift vouchers

• An Employee Assistance Program offering professional support with legal, health and money issues

• Opportunities for personal and career development

Find out more about our work culture on our website, where we also have a dedicated careers page. You may also find it useful to check our LinkedIn page and Instagram.

How to apply
Go to the website and upload your CV, which should highlight relevant skills and experience and explain any gaps in your working life. Use the supporting statement box to demonstrate how you meet the minimum criteria. As part of our investigator recruitment process, applicants who demonstrate the required experience and background through their CV and application will be invited to complete our online assessments. We use the relevant assessment results, together with the information provided in the application, to determine whether candidates meet the minimum criteria for interview. The next stage of the process is an interview. Reasonable adjustments are available throughout the recruitment process.
 

Please bear in mind that we may close the application window for this role earlier than the date specified if there’s a large number of applications.

Authenticity of applications

We value authentic, personal applications. If we determine that your CV or supporting statement was generated using AI tools, your application may be withdrawn from consideration. 

Talent Pool

Please note that positions are limited and will be filled on the highest scores at interview. Once all vacancies have been allocated; qualifying candidates may be placed in a Talent Pool for future opportunities should they chose to be put on this list. Being part of the Talent Pool does not guarantee a position but ensures you will be considered should further openings arise.

Proud to be an inclusive employer

Reflecting the communities, we serve helps us provide the best service to our customers. Diversity and inclusion are fundamental to our success, so we welcome applications from women and other under-represented groups. As part of our commitment to the Race at Work Charter, we welcome applications from Black, Asian and other ethnic minority candidates.

We are proud to be a Disability Confident Leader and, under the scheme, will progress a fair and proportionate number of disabled applicants who meet the minimum criteria to interview. Interviews may be conducted via video, telephone, or an panel Interview, with some vacancies requiring an online assessment to measure the minimum criteria.

If you’d like to speak to us about any reasonable adjustments you need, please email [email protected] and let us know your preferred method of contact.
 

You can find out more about our Diversity and inclusion strategy and plans on our website where you can also read our 2022 Diversity, Inclusion and Wellbeing report.