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
- 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
- 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
- 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
- Serve as the senior escalation point for complex retailer or customer issues
- Build effective working relationships 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
- 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
