Money Adviser

Job Title: Money Adviser
Reference Number: CF26-57
Division: Children First National Money Advice Team
Salary: £30,602 - £35,778
Locations: Central Belt – Travel between Glasgow and Edinburgh
Contract: Permanent – Full Time (35 Hours)
Closing Date: 11th October 2026
Interview Date: Week Commencing 19th October 2026
 
Could you play a vital role in helping families overcome poverty and build brighter futures for Scotland's children?

Join Children First and be part of a once-in-a-generation transformation in how families access support to alleviate crisis, prevent harm and build long-term stability. As part of Scotland's mission to eradicate child poverty, we are expanding our Money Advice Service to ensure more families can access expert financial support when they need it most.

We've been preventing harm, supporting recovery and driving change since 1884. Today, our Money Advice Team works alongside families across Scotland, helping them maximise income, reduce debt, overcome financial hardship and build resilience for the future.

This is an exciting opportunity to join our National Money Advice Team, supporting families both within local communities and remotely through our growing national service.

About the Role
As a Money Adviser, you will deliver specialist money, welfare benefits, debt and energy advice to children, young people and families across Scotland.

Working as part of our National Money Advice Team, you will provide advice through telephone, webchat and digital channels while also supporting local communities through home visits, workshops, school-based activity and community drop-in sessions.

You will work alongside local Children First teams, helping families access financial support, maximise household income and resolve debt and energy-related challenges. Through relationship-based practice, you will empower families to make informed decisions, improve financial resilience and create safer, more secure futures for their children.

A key focus of this role will be increasing access to high-quality Type I and Type II Money Advice services within some of Scotland's most disadvantaged communities, helping tackle inequality and reduce the impact of poverty on children and families.

What You'll Be Doing

Supporting Children and Families

• Working alongside families experiencing financial hardship, poverty and adversity.
• Completing benefit entitlement checks and income maximisation assessments.
• Supporting families to access grants, benefits and financial assistance.
• Providing practical advice, guidance and advocacy to help improve financial wellbeing.
• Using relationship-based practice to build resilience, confidence and positive outcomes.
• Ensuring children's wellbeing, rights and voices remain central to all support provided.

Money, Debt and Welfare Rights Advice

• Delivering specialist welfare rights, money, debt and energy advice.
• Supporting benefit applications, redeterminations and appeal processes.
• Helping families understand and manage debt options.
• Providing budgeting support and financial capability guidance.
• Negotiating and advocating with Social Security Scotland, DWP, HMRC, local authorities, utility providers and creditors.
• Supporting families experiencing fuel poverty and financial crisis.

Community and Outreach Work

• Delivering workshops and awareness sessions within communities and schools.
• Facilitating drop-in advice sessions and outreach services.
• Supporting families within their own homes where appropriate.
• Building strong local partnerships to improve access to services.
• Promoting financial wellbeing and early intervention approaches across communities.

Working Together

• Developing positive relationships with colleagues, volunteers and partner agencies.
• Working closely with Children First Services across Scotland.
• Collaborating with education, health, housing and third-sector organisations.
• Participating in supervision, reflective practice and continuous professional development.
• Contributing to service development and organisational learning.

What We're Looking For

We're looking for experienced Money, Welfare Benefits or Financial Inclusion Advisers who share our commitment to improving outcomes for children and families.

You'll bring:

• Experience delivering money, debt, welfare rights or financial inclusion advice.
• Knowledge of the welfare benefits system and income maximisation approaches.
• Experience supporting people facing financial hardship or crisis.
• Strong communication, advocacy and relationship-building skills.
• Experience working with vulnerable children, families or communities.
• Excellent assessment, problem-solving and case management skills.
• Confidence delivering advice face-to-face, by telephone and through digital channels.
• The ability to manage a varied workload and work independently.
• An understanding of the impact poverty, trauma and adversity can have on children and families.
• A commitment to children's rights, safeguarding and relational practice.

SNSIAP-accredited money advice experience would be advantageous but is not essential.

Our Values

Everything we do is guided by our values:

With Love
We put children first with compassion, empathy and kindness.
With Purpose
We work alongside families and communities to transform children's lives together.
With Strength
We do whatever it takes to protect Scotland's children and help families thrive.

What You'll Get From Us
​
At Children First, you'll be part of a values-led organisation committed to developing and supporting our people.

We offer:

• 40 days annual leave including public holidays.
• Contributory pension scheme.
• Flexible and hybrid working opportunities.
• Wellbeing support and health benefits.
• Blue Light Card discounts.
• Learning, training and professional development opportunities.
• The opportunity to make a lasting difference for children and families across Scotland.
• The chance to be part of a national programme helping eradicate child poverty.

Join Us
​
If you have experience delivering money, debt or welfare benefits advice and are passionate about helping families overcome financial hardship and build brighter futures for their children, we'd love to hear from you.

Children First has a long tradition of valuing and involving volunteers and sessional workers. To find out more about volunteering with us, please visit our website.
Together, we can help families overcome poverty, build resilience and create brighter futures for children across Scotland.

Please visit the following link to learn about our recruitment events to meet our team, hear about our plans.
https://issuu.com/children_first/docs/children_first_support_line_recruitment_pack

Job Description 

Role Summary

You will play a key role in the delivery and expansion of Children First's national Support Line and Advice Service, providing specialist money, debt, energy and welfare rights advice to children, young people and families across Scotland.
Working within a busy contact centre and advice environment, you will provide relationship-based advice, advocacy and practical support through telephone, webchat, email and digital channels. Combining specialist financial wellbeing expertise with strong customer service, safeguarding and communication skills, you will support families experiencing financial hardship, poverty, debt, fuel insecurity and wider family challenges.
The postholder will work collaboratively with colleagues, volunteers and partner agencies to maximise household income, improve financial resilience, reduce poverty and help create safer, stronger futures for Scotland's children. At all times, the welfare, rights and wellbeing of children will remain central to practice and decision-making.

Key Results Areas

Advice, Guidance and Casework
The postholder will provide specialist welfare rights, money, debt and energy advice to families across Scotland in accordance with Scottish National Standards for Information and Advice requirements.
They will support families to maximise income through benefit entitlement checks, applications, redeterminations, appeals, grants and financial assistance schemes. They will provide budgeting support, debt advice and advocacy, helping families understand their options, make informed decisions and improve long-term financial resilience.
The postholder will negotiate and advocate on behalf of families with statutory bodies, utility providers, creditors and other organisations and support families experiencing financial crisis, poverty and fuel poverty.

Support Line Delivery
The postholder will respond professionally and compassionately to contacts received through telephone, webchat, email and other approved communication channels.
They will build trusting relationships where children, young people and families feel heard, respected and understood. Through skilled listening, questioning and assessment they will identify strengths, needs and risks, ensuring families receive timely access to the most appropriate support.
They will provide accurate information and advice while ensuring all callers have a positive, inclusive and respectful experience.

Supporting Children, Young People and Families
The postholder will complete timely assessments and reviews, identifying financial, practical and emotional support needs and developing plans which promote positive outcomes.
They will work alongside children, young people and families using relationship-based practice, ensuring support is accessible, responsive and strengths focused.
The postholder will actively promote participation, ensuring children and families have opportunities to contribute to decisions affecting them and exercise their rights.

Safeguarding and Risk Management
The postholder will ensure the safety, wellbeing and protection of children remains central to all aspects of practice.
They will identify, assess and respond appropriately to child protection and adult protection concerns, following Children First safeguarding policies and national guidance.
The postholder will use professional judgement to manage risk, escalate concerns appropriately and work sensitively with families affected by trauma, poverty and complex life circumstances.

Case Management, Recording and Quality Assurance
The postholder will maintain accurate, timely and comprehensive records using Dynamics 365, AdvicePro and other approved recording systems.
They will ensure recording reflects interventions, assessments, outcomes and reviews in accordance with organisational requirements and advice quality standards.
The postholder will contribute to monitoring, quality assurance, evaluation and continuous service improvement, supporting Children First to maintain money advice accreditation standards.

Partnership Working and Community Engagement
The postholder will work collaboratively with colleagues, volunteers and partner organisations to achieve positive outcomes for families.
They will develop effective relationships with local authorities, Social Security Scotland, the Department for Work and Pensions, HMRC, health services, education providers and third-sector partners.
The postholder will support integrated approaches to family support and represent Children First at relevant meetings, partnership forums and community engagement activities.

Service Improvement and Professional Development
The postholder will contribute to the ongoing improvement and sustainability of the Children First Support Line and National Advice Team.
They will identify emerging issues affecting families, support the development of information resources and contribute to organisational learning and service innovation.
The postholder will participate fully in supervision, reflective practice, performance development and training and maintain current knowledge of welfare rights, debt, energy advice, child protection and family support legislation.

What We're Looking For
We are looking for someone who combines specialist money advice knowledge with excellent relationship building and communication skills.
You will be passionate about improving outcomes for children and families and committed to reducing poverty and inequality through practical support, advocacy and empowerment.
You will be motivated by helping families navigate complex systems, maximise income and build resilience while demonstrating compassion, professionalism and accountability in every interaction.
You will be committed to children's rights, trauma-informed practice and collaborative partnership working and will bring warmth, empathy and determination to supporting families experiencing challenging circumstances.

Corporate Responsibilities

• Be committed and adhere to Children First vision, mission and values.
• Comply with Children First Safeguarding Policies and Procedures.
• Comply with Children First Code of Conduct and professional standards relevant to the role.
• Actively involve children, young people and families in all aspects of practice in line with Children First Participation Standards.
• Actively consider and support volunteer involvement across service delivery.
• Observe all health and safety requirements.
• Work within and promote Equity, Diversity and Inclusion and anti-discriminatory practice.
• Undertake any other duties reasonably required by the line manager or someone acting on their behalf.

Need to Have	Need to Show	Need to Know	Need to Be	Core Values
• Experience delivering money advice, debt advice, welfare rights advice or financial inclusion services.    • Experience providing advice through telephone, digital or remote services.    • Experience of assessment, support planning, monitoring and review.    • Experience of partnership working with statutory and third-sector organisations.    • Experience maintaining accurate and detailed case records.	• Excellent verbal and written communication skills.    • Strong call handling and customer service skills.    • Effective assessment and problem-solving skills.    • Strong advocacy and negotiation skills.    • Ability to build rapport and trusting relationships.    • Ability to manage emotionally demanding and complex situations.    • Effective partnership working skills.    • Ability to manage competing priorities and workloads.    • Competence in digital recording and case management systems.	• Welfare benefits systems and entitlement processes.    • Scottish debt solutions and money advice practice.    • Income maximisation approaches and financial inclusion initiatives.    • Causes and impacts of poverty on children and families.    • Children's rights and participation principles.    • Safeguarding and child protection practice.    • Relevant legislation relating to welfare rights and family support.	• Compassionate, professional and non-judgemental.    • Committed to reducing child poverty and inequality.    • Motivated to support children and families to achieve positive outcomes.    • Resilient and adaptable in a fast-paced environment.    • Committed to safeguarding and ethical practice.    • Flexible and able to work independently and collaboratively.    • Dedicated to continuous learning and i