Debt Advice Officer
| Posting date: | 18 March 2026 |
|---|---|
| Salary: | £28,142 to £33,699 per year |
| Hours: | Full time |
| Closing date: | 05 April 2026 |
| Location: | Reading, Berkshire |
| Remote working: | Hybrid - work remotely up to 2 days per week |
| Company: | Reading Borough Council |
| Job type: | Permanent |
| Job reference: | DAC0805 |
Summary
Your contracted base is the Civic Offices, with the option to work hybrid currently. You will need to attend the Civic for training, meetings and delivering appointments when necessary. These arrangements may change with business need.
We seek the best talent from the widest pool of people as diversity and inclusion is the key to our success. Reading Borough Council is a Disability Confident Employer and is committed to the recruitment and continued employment of people with disabilities.
About the role
You would be required to:
Provide friendly, professional customer service across all channels, responding with empathy and resolving enquiries wherever possible.
Give personalised debt advice, including preparing financial statements, reviewing income and spending, and explaining suitable debt options.
Support residents to maximise income by completing benefit checks, helping with applications, maintaining claims, challenging decisions, and accessing discounts or social tariffs.
Assess and review Discretionary Housing Payment and Discretionary Council Tax Support applications in line with legislation and Council policy.
Verify Universal Credit housing costs and process Alternative Payment Arrangement requests accurately to prevent financial loss for residents or the Council.
Maintain accurate, up‑to‑date case records and financial information in line with data protection requirements and Council standards.
Reading Borough Council is seeking a dedicated and empathetic Debt Advice Officer to join our Tenant Services team. In this vital role, you’ll support tenants and residents across Reading to manage their finances, maximise income, sustain tenancies, and prevent homelessness. You’ll work as part of a collaborative team delivering a high-quality, customer-focused service across multiple access channels including face-to-face, telephone, email, and text.
You’ll be the first point of contact for many service users, responding promptly and professionally to enquiries. Using your knowledge of relevant policies and procedures, you’ll aim to resolve issues at the first point of contact and provide tailored support to those in financial difficulty.
Key Responsibilities Include:
Respond promptly and professionally to customer enquiries across multiple channels, resolving issues at first contact where possible.
Provide tailored debt advice and budgeting support to tenants and residents, including preparing Standard Financial Statements and prioritising debts.
Assist service users with welfare benefit claims, backdating requests, and challenging decisions using legislation and policy.
Promote financial inclusion, digital access, and safer borrowing practices such as Credit Unions.
Assess and review applications for Discretionary Housing Payments and Council Tax Support accurately and efficiently.
Conduct outreach appointments and home visits where necessary, following lone worker procedures.
Maintain accurate records and contribute to team performance targets and KPIs.
Collaborate with internal teams and external organisations to improve service delivery and integration.
Attend community events and deliver training sessions to raise awareness of financial support services.
About you
The following experience is required for this role:
Experience giving debt advice or welfare and housing related guidance, including handling complex or sensitive cases with empathy and professionalism.
A good understanding of welfare benefits, income maximisation and discretionary payments, or the ability to learn quickly and apply legislation and policy accurately.
Strong communication skills, able to explain complex information in plain English and support residents to make informed decisions.
Confidence preparing financial statements, assessing income and outgoings, and exploring suitable debt options with residents.
The ability to manage a busy caseload, work calmly under pressure, prioritise effectively and maintain accurate records to a high standard.
A collaborative and flexible approach, committed to high quality customer service, equality, and the values of Team Reading.
We’re looking for someone with a strong understanding of welfare benefits, debt solutions, and financial inclusion. You’ll have excellent communication skills and the ability to handle sensitive situations with professionalism and empathy. Experience in supporting vulnerable individuals and a commitment to equality, diversity, and safeguarding are essential. You should be confident working independently and collaboratively in a fast-paced, customer-focused environment..
You’ll be part of a team that relies on each individual to play their part to the best of their ability. As well as the colleagues that you work closely with every day, you’ll also be part of Team Reading, playing your personal part in making Reading a successful and vibrant place.
Our offer
Generous holiday entitlement - 25 days holiday each year plus bank holidays - rising to 30 days after 5 years’ service and 33 days after 10 years' service, with the option to buy additional leave
A wide range of flexible working opportunities
Modern working environment at the Civic Offices in the heart of Reading
Local Government Pension Scheme (LGPS)
Life Assurance - three times your annual salary (for members of the LGPS)
On-site day nursery (Kennet Day nursery) rated outstanding by Ofsted
Season Ticket Loan - a loan to help with the cost of your rail or bus journey, to and from work
Lease car salary sacrifice scheme allowing you to lease a brand new, greener car for three years. The monthly fee includes insurance, servicing and road tax
Closing Date: Sunday 5th April 2026
Interview Date: 30 April 2026
Interview Process: Interviews will take place in person at the Civic Offices and will last up to 45 minutes.
We seek the best talent from the widest pool of people as diversity and inclusion is the key to our success. Reading Borough Council is a Disability Confident Employer and is committed to the recruitment and continued employment of people with disabilities.
About the role
You would be required to:
Provide friendly, professional customer service across all channels, responding with empathy and resolving enquiries wherever possible.
Give personalised debt advice, including preparing financial statements, reviewing income and spending, and explaining suitable debt options.
Support residents to maximise income by completing benefit checks, helping with applications, maintaining claims, challenging decisions, and accessing discounts or social tariffs.
Assess and review Discretionary Housing Payment and Discretionary Council Tax Support applications in line with legislation and Council policy.
Verify Universal Credit housing costs and process Alternative Payment Arrangement requests accurately to prevent financial loss for residents or the Council.
Maintain accurate, up‑to‑date case records and financial information in line with data protection requirements and Council standards.
Reading Borough Council is seeking a dedicated and empathetic Debt Advice Officer to join our Tenant Services team. In this vital role, you’ll support tenants and residents across Reading to manage their finances, maximise income, sustain tenancies, and prevent homelessness. You’ll work as part of a collaborative team delivering a high-quality, customer-focused service across multiple access channels including face-to-face, telephone, email, and text.
You’ll be the first point of contact for many service users, responding promptly and professionally to enquiries. Using your knowledge of relevant policies and procedures, you’ll aim to resolve issues at the first point of contact and provide tailored support to those in financial difficulty.
Key Responsibilities Include:
Respond promptly and professionally to customer enquiries across multiple channels, resolving issues at first contact where possible.
Provide tailored debt advice and budgeting support to tenants and residents, including preparing Standard Financial Statements and prioritising debts.
Assist service users with welfare benefit claims, backdating requests, and challenging decisions using legislation and policy.
Promote financial inclusion, digital access, and safer borrowing practices such as Credit Unions.
Assess and review applications for Discretionary Housing Payments and Council Tax Support accurately and efficiently.
Conduct outreach appointments and home visits where necessary, following lone worker procedures.
Maintain accurate records and contribute to team performance targets and KPIs.
Collaborate with internal teams and external organisations to improve service delivery and integration.
Attend community events and deliver training sessions to raise awareness of financial support services.
About you
The following experience is required for this role:
Experience giving debt advice or welfare and housing related guidance, including handling complex or sensitive cases with empathy and professionalism.
A good understanding of welfare benefits, income maximisation and discretionary payments, or the ability to learn quickly and apply legislation and policy accurately.
Strong communication skills, able to explain complex information in plain English and support residents to make informed decisions.
Confidence preparing financial statements, assessing income and outgoings, and exploring suitable debt options with residents.
The ability to manage a busy caseload, work calmly under pressure, prioritise effectively and maintain accurate records to a high standard.
A collaborative and flexible approach, committed to high quality customer service, equality, and the values of Team Reading.
We’re looking for someone with a strong understanding of welfare benefits, debt solutions, and financial inclusion. You’ll have excellent communication skills and the ability to handle sensitive situations with professionalism and empathy. Experience in supporting vulnerable individuals and a commitment to equality, diversity, and safeguarding are essential. You should be confident working independently and collaboratively in a fast-paced, customer-focused environment..
You’ll be part of a team that relies on each individual to play their part to the best of their ability. As well as the colleagues that you work closely with every day, you’ll also be part of Team Reading, playing your personal part in making Reading a successful and vibrant place.
Our offer
Generous holiday entitlement - 25 days holiday each year plus bank holidays - rising to 30 days after 5 years’ service and 33 days after 10 years' service, with the option to buy additional leave
A wide range of flexible working opportunities
Modern working environment at the Civic Offices in the heart of Reading
Local Government Pension Scheme (LGPS)
Life Assurance - three times your annual salary (for members of the LGPS)
On-site day nursery (Kennet Day nursery) rated outstanding by Ofsted
Season Ticket Loan - a loan to help with the cost of your rail or bus journey, to and from work
Lease car salary sacrifice scheme allowing you to lease a brand new, greener car for three years. The monthly fee includes insurance, servicing and road tax
Closing Date: Sunday 5th April 2026
Interview Date: 30 April 2026
Interview Process: Interviews will take place in person at the Civic Offices and will last up to 45 minutes.
Proud member of the Disability Confident employer scheme
Disability Confident
About Disability Confident
A Disability Confident employer will generally offer an interview to any applicant that declares they have a disability and meets the minimum criteria for the job as defined by the employer. It is important to note that in certain recruitment situations such as high-volume, seasonal and high-peak times, the employer may wish to limit the overall numbers of interviews offered to both disabled people and non-disabled people. For more details please go to Disability Confident.