Credit Manager

Job Description

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Core Accountabilities

Credit Control & Financial Risk

• Oversee all receivables activity, including debt recovery, daily cash processing, bank reconciliations, credit checks, and allocation of payments
• Manage exposure to bad debt through proactive monitoring, escalation, and enforcement of agreed credit terms
• Ensure compliance with internal credit, sanction, and bonding frameworks
• Review and approve monthly balance sheet reconciliations, ensuring accuracy and transparency
• Chair and deliver regular credit review forums to assess risk and performance

Direct Debit & Payment Operations

• Own the end‑to‑end direct debit lifecycle across multiple customer types
• Act as the escalation point for failed payments and complex billing issues
• Drive operational improvements in payment processes to increase efficiency and reduce errors

Leadership & Team Development

• Lead, coach, and inspire a high‑performing credit and collections team
• Set clear objectives, monitor performance, and provide constructive feedback
• Promote a culture of accountability, collaboration, and continuous improvement
• Support talent development through structured coaching and performance reviews

Operational Performance & Controls

• Track and improve service level and productivity metrics across the function
• Contribute to the development and reporting of Finance Operations KPIs for senior leadership
• Ensure processes align with regulatory requirements, audit standards, and internal controls
• Identify operational weaknesses and implement corrective action plans

Stakeholder & Relationship Management

• Serve as the senior escalation point for complex retailer or customer issues
• Build effective working relationships xwzovoh with internal departments to align priorities and resolve issues
• Represent the credit and collections function in cross‑functional forums and discussions
• Provide clear, data‑driven insights and recommendations to senior management

Continuous Improvement & Change

• Lead or support operational change initiatives, system upgrades, and process redesign
• Assist with the rollout of new policies, tools, and training initiatives
• Encourage innovation and best‑practice sharing within the team
• Champion efficiencies that enhance both financial outcomes and customer experience

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