Credit Manager

Overview

In this role, you will lead the Keyline credit team within the broader CCF footprint to ensure efficient credit control and risk management. You will drive financial performance metrics and foster a high-performing, collaborative culture aligned with the Credit Policy. You’ll balance people leadership with hands-on credit processes, strengthening underwriting, collections, and stakeholder collaboration. This is a chance to guide a growing function in a dynamic, industry-leading unit and shape the team’s culture and results.

Pay / Benefits

• Competitive salary and benefits aligned with performance
• Opportunity to lead a dynamic team in an industry-leading unit
• Comprehensive learning, development and career progression opportunities

Responsibilities

• Lead, mentor and develop an 8+ person credit team, including 1:1s, development plans, onboarding, and workload management
• Oversee team performance against KPIs such as DSO, Dispute Days, Overdues, Prior %, Cash Collection and Bad Debt provision reduction
• Support process integration and change initiatives, working cross-functionally to implement improvements
• Guide underwriting and risk management activities, including credit limits up to 500K and risk register for higher limits
• Manage credit insurance processes, discretionary limit compliance, and adverse event reporting
• Act as escalation point for credit issues with internal and external stakeholders, resolving disputes and supporting root cause analysis
• Deputise for Head of Credit as needed and ensure governance, Health & Safety checks, and robust debt reporting

Key requirements

• Proven experience leading a credit control or customer services team
• Strong leadership and coaching track record
• Excellent analytical skills with financial data processing
• Strong communication and negotiation with stakeholders at all levels
• Deep understanding of credit processes, underwriting, and risk management
• Resilience and adaptability to a fast-paced environment

• Strong interpersonal skills
• Mentoring and talent development mindset
• Positive, collaborative team culture advocacy
• Financial analysis and use of spreadsheets to model and interpret data
• Credit underwriting principles and risk assessment
• Knowledge of debt collection processes and KPI tracking

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