Key Responsibilities

Credit Management & Customer Risk:

• Lead the company’s credit management strategy.
• Review and approve customer credit limits.
• Assess creditworthiness of new and existing customers.
• Manage customer payment plans and account reviews.
• Minimise bad debt exposure while supporting profitable growth.
• Monitor customer financial performance and identify potential risks.
• Review Companies House, credit agency and market intelligence updates.

Credit Insurance:

• Manage relationships with credit insurers and brokers.
• Oversee credit insurance applications, reviews and claims.
• Ensure customer credit limits remain appropriate and protected.
• Support annual insurance renewals and due diligence requirements.
• Work closely with insurers regarding special arrangements and risk assessments.

Credit Control Leadership:

• Lead, develop and support the credit control team.
• Monitor aged debt and collection performance.
• Manage escalation of overdue and high-risk accounts.
• Ensure credit control processes are followed consistently.
• Drive continuous improvement in debt collection performance.

Cash and Banking Management:

• Support daily cashflow management activities.
• Maintain key banking relationships.
• Approve payments and banking administration activities.
• Assist with treasury and working capital management.
• Support implementation of banking and payment system improvements.

Customer Account Management:

• Oversee customer account maintenance and administration.
• Review payment terms and trading arrangements.
• Manage customer account changes and approvals.
• Maintain strong relationships with key customer finance contacts.
• Support resolution of account queries, disputes and payment issues.

Team Leadership:

• Lead and develop the customer accounts team.
• Approve holidays, timesheets and absence requests.
• Support training and development of team members.
• Ensure knowledge sharing and process documentation are maintained.
• Foster a positive and collaborative team culture.

Reporting and Commercial Support:

• Produce regular reports on aged debt, customer risk and cash performance.
• Identify trends and risks within the customer portfolio.
• Support branch managers and sales teams with customer credit decisions.
• Provide insight to the leadership team on customer risk and working capital performance.
• Assist with finance and operational improvement projects as required.

Skills & Experience

Essential:

• Experience managing a credit control or customer accounts function.
• Strong understanding of customer credit risk management.
• Experience leading and developing teams.
• Excellent communication and negotiation skills.
• Strong commercial awareness and decision-making ability.
• Experience working with credit insurers and credit agencies.
• Strong organisational and problem-solving skills.
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