Job Description

We’re looking for an experienced Senior Internal Auditor to play a key role in strengthening Encore’s governance, risk management and internal controls.

This role is primarily responsible for leading and delivering high‑quality internal audit engagements, together with some advisory work across the Group, providing independent, objective assurance to the Boards and senior management. You will work across a broad range of business areas, applying sound judgement and professional insight to identify key risks, assess and challenge controls, and drive meaningful improvement.

What you can expect as an Senior Internal Auditor:

• Permanent role

• Hybrid role from our Kings Hill office, Kent. ME19 4UA.

• Reporting directly to the Head of Internal Audit

• Multi-jurisdiction scope, with exposure across key markets including the UK, US, France, Spain, Portugal and Ireland.

In addition to a competitive salary and an attractive bonus scheme, you’ll benefit from a comprehensive rewards package, including discounts and cashback at hundreds of high street retailers, private health insurance, and much more.

Key responsibilities include:

• Deliver high-quality internal audit assurance and advisory reviews across a range of business processes, providing clear, objective insight into the effectiveness of the control framework.

• Assess complex or judgement-based areas, prioritising key risks and issues to focus business attention.

• Collaborate effectively with audit colleagues and wider stakeholders, contributing robust technical analysis and commercial insight to support sound decision-making.

• Track, review and follow up management actions, proactively escalating issues where progress or developments require attention.

• Support the production of audit reporting and management information for Executive Directors and the Audit Committee and contribute to Adhoc reviews or special projects as required.

• Represent Internal Audit in business meetings and forums, engaging confidently with senior stakeholders to communicate findings, influence outcomes, manage challenge constructively, and agree clear actions and timelines.

• Contribute to the strategic development of the global Internal Audit function, including audit planning, scheduling, methodology and workflow management.

• Maintain a strong understanding of business operations, risk management, governance, IIA auditing standards, regulatory requirements and industry developments, applying this knowledge in audit work.

• Act with the highest levels of professionalism, integrity and discretion, particularly when handling sensitive or confidential information.

• Occasional travel to company sites, as required.

We are looking for someone with:

• Previous experience of working effectively in a senior internal audit or internal auditor role, or similar ‘assurance’ function (e.g., risk management, compliance, or an external audit firm / consultancy).

• Strong audit report writing skills.

• Preferably working towards a professional qualification in internal auditing (CIIA) or accountancy (e.g., ACCA, ICAEW, CIMA etc.) / equivalent. A qualification is not pre-requisite.

• Previous experience of working in the financial services sector is preferable.

• Good knowledge of MS Office applications including Excel, Word, and PowerPoint.

• Good knowledge of current risk management, governance, and financial services regulatory frameworks.

• Previous experience with Auditboard/Optro (audit management software) will be helpful but not mandatory.

• Some knowledge of SOX is advantageous but not essential.

What happens next?

If this sounds like you and you’d like to join our rapidly expanding company that offers excellent career progression, then apply now!

Working for Cabot:

You’ll be working for an award winning ‘Investors in People’ Gold accredited organisation. We’re passionate about the ethical treatment of our customers and employees. Our mission is to create pathways to economic freedom. Our vision is to make credit accessible by partnering with our consumers to restore their financial health.

Diversity and inclusion are very important to us at Cabot, and we value a multitude of diverse talent within our business. We want everyone to be themselves at work and encourage a culture that includes everyone. Our policies ensure that every candidate and employee are treated fairly and with equal opportunities.

**At Cabot we are highly regulated by our clients, as such, any successful candidates will have to undergo a basic credit check and criminal background check. Please note that we are unable to proceed to interview stage if a CCJ, IVA or Bankruptcy appears on a credit file, or if you do not have full right to work in the UK – we are unfortunately unable to offer sponsorship.