314 Credit Manager jobs in the United Kingdom

The Group Credit Manager will oversee credit risk assessments and manage the credit approval process within the industrial and manufacturing sector. This permanent role, based in Epsom, requires a professional with expertise in finance and a strong understanding of credit management principles.

Client Details

This small-sized organisation operates within the industrial and manufacturing sector, focusing on providing robust financial solutions. It is known for fostering innovation and maintaining a professional approach to business operations.

Description

The key responsibilities for the role of Group Credit manager include:

• Evaluate and analyse credit risk for new and existing clients.
• Oversee the credit approval process, ensuring compliance with company policies.
• Develop and maintain credit policies to support business objectives.
• Monitor and manage overdue accounts, implementing strategies to minimise bad debt.
• Collaborate with the finance team to provide accurate credit reporting and analysis.
• Ensure adherence to industry regulations and best practices within credit management.
• Support the development of junior team members in credit-related functions.
• Work closely with stakeholders to align credit strategies with overall business goals.

Profile

A successful Group Credit Manager should have:

• A strong background in credit management
• A recognised qualification in accounting, finance, or a related field.
• Proven experience in credit risk assessment and policy development.
• Proficiency in financial analysis and reporting tools.
• Excellent attention to detail and problem-solving skills.
• The ability to communicate effectively with internal and external stakeholders.
• A thorough understanding of compliance and regulatory requirements in finance.

Job Offer

The role of Group Credit Manager offers a competitive salary of 50,000 - 60,000 per annum, plus:

• Great work culture
• Hybrid working
• List of many benefits

We are proud to be partnering with a global manufacturing business who are looking to bring an experienced credit manager into a well established and thriving team. As Global Credit Manager suitable applicants will ideally come from a large company shared service background and be used to managing teams in excess of 8 staff.

This is a highly rewarding business to work with. They operate a hybrid working pattern and there are plenty of other benefits that play a part in high staff retention and engagement. This role would suit someone with significant credit / accounts receivable management experience who is looking to step into a global role with continuous personal development.

Key responsibilities:

• Oversee all aspects of credit control and credit management within Shared Services
• Team management of 12+ heads - recruitment, goal setting and reviews
• Monthly production of period end reports, including OTC reporting
• Cash flow forecasting, monthly and quarterly
• Produce, monitor and control team KPI's
• Review and implementation of internal controls, best practice and SOP
• Drive process improvements, implement changes and consistently review existing processes for efficiency

Suitable applicants will;

• Demonstrate significant leadership skills in a large corporate environment
• Bring strong reporting and stakeholder management skills
• Have excellent working knowledge of accounting and reporting systems and regulatory framework
• Show the ability to support business planning in a shared service environment

We are proud to be partnering with a global manufacturing business who are looking to bring an experienced credit manager into a well established and thriving team. As Global Credit Manager suitable applicants will ideally come from a large company shared service background and be used to managing teams in excess of 8 staff.

This is a highly rewarding business to work with. They operate a hybrid working pattern and there are plenty of other benefits that play a part in high staff retention and engagement. This role would suit someone with significant credit / accounts receivable management experience who is looking to step into a global role with continuous personal development.

Key responsibilities:

• Oversee all aspects of credit control and credit management within Shared Services
• Team management of 12+ heads - recruitment, goal setting and reviews
• Monthly production of period end reports, including OTC reporting
• Cash flow forecasting, monthly and quarterly
• Produce, monitor and control team KPI's
• Review and implementation of internal controls, best practice and SOP
• Drive process improvements, implement changes and consistently review existing processes for efficiency

Suitable applicants will;

• Demonstrate significant leadership skills in a large corporate environment
• Bring strong reporting and stakeholder management skills
• Have excellent working knowledge of accounting and reporting systems and regulatory framework
• Show the ability to support business planning in a shared service environment

This opportunity comes with a very competitive basic salary plus a car allowance, annual bonus and an excellent benefits package.

The role in a nutshell: Management of the corporate credit underwriting and wholesale administration teams. Providing detailed financial analysis, recommendations and underwriting services in relation to lending for our corporate customers and dealer partners for TFSUK, Mazda, Kinto and One Toyota Fleet Team.

A bit about the ‘Department’: The Corporate Credit team compete analysis, recommendation and underwriting for lending of funding requests ranging from £125k to £50m for submission to our UK Underwriters and European Credit Committee. Whilst the Wholesale administration team manage the day-to-day funding requirements for our Dealer Partners.

What you’ll be doing:

• Carry out regular reviews with the Corporate Credit and Wholesale Funding team identifying performance shortfalls and implementing remedial actions.
• Exercise an appropriate Centre, Fleet Customer and Kinto underwriting authority in line with the UK POD.
• Work with senior management teams from the Dealer Network to develop relationships and funding solutions.
• To deputise for the Senior Manager Corporate Credit & Operational Services as required and act responsibly in all matters.
• Oversee performance against published service standards in terms of response times and other commitments, monitoring Department SLA’s and job lists.
• Oversee the management of the administration of wholesale stocking facilities; Schemes, Plans and Credit Lines and interest rate controls.
• Manage the administration for new Dealer proposals / credit line increases including acquisitions / take overs etc.
• Management of the administration of critical risk situations, rejected payments, cash trading, receivership, liquidation or bankruptcy and the closure of Dealerships, assisting with repossession and accounting for assets.
• Manage all legal matters relating to debentures, securities, mortgages, acquisitions, and sales with the centre and fleet network.
• Operate within the UK product approval matrix, requesting new products where required.
• Ensure all loading of vehicles, system amendments and monitoring of over-line situations are handled appropriately and in-line with the company’s Hoshin and/or in support of MNSC.
• Management as appropriate of tasks associated with SOX compliance, audit.

What you’ll get to own:

• Recommendations for lending, security and LTV’s across TFS, Kinto and One Toyota Fleet team reviews.
• You will see improvements through to the end with ongoing follow-up and confirmation that the business has actioned agreed plans.
• Distribution of meeting minutes and recommendations from Network/ Fleet and Mazda Risk Committee meetings.
• Building and owning relationships with staff members from other teams that you can use to effectively perform your work.

Requirements

Key Experience & Skills:

• Previous experience of interpreting corporate accounts, performing financial analysis and underwriting of corporate customers.
• Ability to analyse data and identify trends.
• Good understanding of Microsoft Office products, specifically Excel (v-lookups, x-lookups, pivot tables, macros).
• Basic PowerPoint and Power BI skills.

Attributes & Behaviours:

• Excellent verbal and written communication skills.
• Keen problem solver.
• Numerate with an aptitude of working with figures/data.
• Capable of building strong working relationships and liaising with all levels of staff/management and external customers.

Benefits

At Toyota Financial Services (TFS) it is more than just an externally bench-marked salary and bonus, we also offer:

• Hybrid working pattern is 2 days in the office and 3 days from a location of your choice.
• Access to attractive car schemes for you (& your family) for Toyota & Lexus cars
• Excellent pension scheme (up to 6% employee contribution and 15% employer contribution).
• Generous annual leave of 25 days which increases with service and holiday purchase option
• Private Medical Healthcare (single, partner/spouse and dependent children) with Digital GP Service
• Group Income Protection cover with Aviva including physical, mental, and financial wellbeing services
• Employee Assistance Program
• Eye tests
• Onsite gym, Sports and Social Club, & flu jabs to keep you healthy
• Wellbeing hour each month and many more initiatives throughout the year to encourage a healthy mind and body, and to raise awareness and celebrate diversity, equity and inclusion.
• Dress for your day policy to make you feel comfortable at work
• Eco HQ, free parking & restaurant
• Two volunteering days per year
• Reward gateway voucher discounts
• Flexible working scheme and we welcome flexible working conversations at interview
• Regular 121s with your manager, a personal development review (PReview) each quarter
• A wide range of learning & development opportunities including Linked In Learning courses
• £250 contr ution towards you learning something new outside of work
• Annual events (e.g., summer party, BBQ & Xmas party) including Countdown to Christmas events every December - it is so much fun!

Our Recruitment Process

At Toyota Financial Services (TFS) we value everyone and are pleased to be recognised as a Disability Confident Employer.

We are committed to supporting disabled applicants throughout the recruitment process. Should you meet the minimum criteria for this role and wish to apply under the DC scheme, you may be moved forward to the next stage. Please ensure to add this information into your application.

When it comes to recruitment, please do let us know if we can adjust our process to be meet your accessibility needs.

Some examples of how we might be able to help are listed below:

• Providing a copy of interview questions before the interview
• Organising a time and location that best suits you
• Allowing additional time for the assessment and interview

We are happy to review any adjustment on a case-by-case basis to support you to be your best self.

The role of Credit Manager involves leading credit underwriting and funding operations, managing complex lending decisions and dealer support. It offers the chance to develop expertise in financial analysis and risk management while driving improvements across a fast-paced, customer-focused environment.

Client Details

The client is a leading business in the financial services sector based in Epsom, providing funding solutions and support to a wide network of corporate customers and partners. They are known for their strong market presence, collaborative culture, and commitment to innovation and continuous improvement.

Description

The key responsibilities for the role of Credit Manager (Hybrid Working) will include:

• Lead and develop credit underwriting and funding teams, ensuring strong performance and service delivery.
• Oversee lending decisions, financial analysis, and risk management for high-value funding requests.
• Manage dealer and partner funding facilities, including proposals, credit lines, and acquisitions.
• Handle complex situations such as rejected payments, insolvencies, and asset recoveries.
• Drive process improvements, compliance, and best-practice sharing across the business.

Profile

A successful Credit Manager (Hybrid Working) should have:

• Strong financial analysis and credit underwriting expertise, with the ability to interpret complex accounts.
• Excellent decision-making and risk management skills in high-value or complex situations.
• Strong leadership and people management skills to develop and motivate a team.
• Clear and confident communication skills to influence stakeholders at all levels.
• A proactive, problem-solving mindset with the ability to drive continuous improvement.
• High attention to detail and strong organisational skills to manage multiple priorities.
• Good systems knowledge, particularly Excel and financial reporting tools.

Job Offer

The role of Credit Manager (Hybrid Working) offers:

• A competitive salary with performance-related bonus opportunities.
• Hybrid working to support flexibility and work-life balance.
• The chance to lead and develop a high-performing team in a dynamic financial services environment.
• Exposure to complex, high-value lending decisions and strategic risk management.
• Professional development and progression opportunities, including structured training and coaching.
• A collaborative, supportive culture that values innovation, continuous improvement, and employee wellbeing.
• The opportunity to make a tangible impact on business performance and build strong cross-functional relationships.

The role of Credit Manager involves leading credit underwriting and funding operations, managing complex lending decisions and dealer support. It offers the chance to develop expertise in financial analysis and risk management while driving improvements across a fast-paced, customer-focused environment.

Client Details

The client is a leading business in the financial services sector based in Epsom, providing funding solutions and support to a wide network of corporate customers and partners. They are known for their strong market presence, collaborative culture, and commitment to innovation and continuous improvement.

Description

The key responsibilities for the role of Credit Manager (Hybrid Working) will include:

• Lead and develop credit underwriting and funding teams, ensuring strong performance and service delivery.
• Oversee lending decisions, financial analysis, and risk management for high-value funding requests.
• Manage dealer and partner funding facilities, including proposals, credit lines, and acquisitions.
• Handle complex situations such as rejected payments, insolvencies, and asset recoveries.
• Drive process improvements, compliance, and best-practice sharing across the business.

Profile

A successful Credit Manager (Hybrid Working) should have:

• Strong financial analysis and credit underwriting expertise, with the ability to interpret complex accounts.
• Excellent decision-making and risk management skills in high-value or complex situations.
• Strong leadership and people management skills to develop and motivate a team.
• Clear and confident communication skills to influence stakeholders at all levels.
• A proactive, problem-solving mindset with the ability to drive continuous improvement.
• High attention to detail and strong organisational skills to manage multiple priorities.
• Good systems knowledge, particularly Excel and financial reporting tools.

Job Offer

The role of Credit Manager (Hybrid Working) offers:

• A competitive salary with performance-related bonus opportunities.
• Hybrid working to support flexibility and work-life balance.
• The chance to lead and develop a high-performing team in a dynamic financial services environment.
• Exposure to complex, high-value lending decisions and strategic risk management.
• Professional development and progression opportunities, including structured training and coaching.
• A collaborative, supportive culture that values innovation, continuous improvement, and employee wellbeing.
• The opportunity to make a tangible impact on business performance and build strong cross-functional relationships.

The Credit Risk Manager is responsible for the day-to-day management of credit exposure across the group’s chartering, broking, financing, and other transactional activities. The Credit Risk Manager will be responsible for developing and maintaining credit limit protocols and individual counterparty limits, as well as management of interest-charging policy and practice, credit default identification, escalation, and reporting. The function requires close coordination with Finance colleagues on outstanding receivables and receipts, as well as with Legal on recoveries and commercial teams on mitigations and strategy.

Requirements

-    Develop, implement, and maintain a robust credit risk policy accounting for counterparty types, transactions, regions, and sectors.

-    Monitor and enforce credit limits for counterparties, ensuring compliance with internal thresholds.

-    Develop and implement policy on application of interest terms in contracts.

-    Identify and escalate defaults and potential defaults.

-    Consult with relevant stakeholders on mitigations and recoveries.

-    Maintain a centralised tracking system for credit exposures, overdue accounts, and recovery efforts.

-    Conduct regular reviews of counterparty creditworthiness using internal data and external intelligence.

-    Flag emerging risks and recommend adjustments to credit terms or exposure levels.

Liaise with the Insurance and Legal teams to support the prosecution of claims.
Counterparty Risk Monitoring

-    Publish immediate credit default reports (alongside initiation of the abovementioned response actions).

-    Prepare weekly reports for functions and CEO, CFO and COO detailing credit exposures, overdue accounts, and recovery status.

-    Proven experience of at least 6-8 years in credit risk management, ideally within the maritime or commodities sectors.

-    Deep understanding of shipping contracts, chartering terms, and related finance structures.

-    Familiarity with legal and insurance processes related to claims and recoveries.

-    Excellent analytical and communication skills.

-    Proficiency in credit risk systems and financial reporting tools.

Benefits

UML offers competitive benefits including annual discretionary bonus, pension and medical benefits. Further details will be provided on request. 

Credit Control Manager

Would you like to join a growing company with a niche proposition servicing the tenancy rental market, we have carved ourselves a unique spot in a fast-growing market. Having recently joined forces with a major brand, this growth is set to continue as the portfolio of brands and numbers of customers.

The role

The Credit Control Manager will be responsible for overseeing the B2C credit control function, focusing on timely collections, minimizing bad debt, and maintaining excellent customer service standards. Given our focus on individual residential customers, this role requires an individual who understands the nuances of consumer credit management, has exceptional communication skills, and can lead a team in a fast-paced, customer-centric environment.

Key Responsibilities:

B2C Credit Control Management:

• Oversee the end-to-end credit control process, ensuring timely payments and resolving outstanding debt efficiently.
• Develop and implement effective B2C credit control policies, procedures, and automated systems to support high-volume accounts.
• Monitor aged debt, identify high-risk accounts, and take proactive steps to prevent account delinquency, balancing a firm approach with customer empathy.
• Manage payment plans and arrangements to support customers facing financial difficulties, ensuring compliance with regulatory standards for consumer debt.

Team Leadership:

• Lead, train, and develop a dedicated credit control team, fostering a customer-first mindset while achieving collection targets.
• Set and monitor KPIs for the team, ensuring regular performance reviews and addressing areas for improvement.
• Provide guidance on best practices for managing customer queries, disputes, and challenging conversations.
• Promote a positive and productive work environment, encouraging collaborative problem-solving and continuous improvement.

Customer Relationship Management:

• Build and maintain strong relationships with customers to facilitate smooth payment processes, understanding the unique challenges in the B2C sector.
• Handle escalated cases with sensitivity, ensuring customer satisfaction while protecting the company's interests.
• Engage with customers through multiple channels (email, phone, SMS) and ensure efficient communication regarding outstanding balances, payment options, and account statuses.

Reporting & Analysis:

• Prepare regular reports on credit control metrics for senior management, including collection rates, outstanding balances, and payment trends.
• Analyse data to identify trends, potential risk areas, and opportunities for improving the efficiency of collections.
• Monitor and report on cash flow forecasts specific to the B2C business, making recommendations to enhance cash flow stability and manage risk.
• Work closely with the finance team to ensure accurate reconciliations and accounting of customer accounts.

Continuous Improvement:

• Identify and implement process improvements tailored to the B2C environment, including automated payment reminders, self-service options, and customer-friendly payment arrangements.
• Stay updated on industry best practices and regulatory requirements specific to B2C credit control and debt collection.
• Collaborate with other departments, including customer service and sales, to ensure alignment on credit policies and enhance the customer experience.

Key Skills and Requirements:

• Proven experience as a Credit Control Manager or in a senior credit control role, ideally within a B2C environment (company, utilities, or similar consumer-focused industry).
• Strong knowledge of consumer credit management, debt collection, and compliance with consumer debt regulations.
• Excellent leadership and team management skills, with experience in motivating and developing a customer-facing team.
• Strong interpersonal and communication skills, with the ability to handle sensitive situations with empathy and professionalism.
• Proficiency in Microsoft Office, particularly Excel, and experience with CRM or credit management software.
• Analytical skills with attention to detail and a proactive approach to problem-solving.
• Ability to prioritize tasks effectively, work under pressure, and meet deadlines in a high-volume environment.

ACS are recruiting for a Credit Control Manager. If you feel that you have the skills and experience required in this advertisement to be a Credit Control Manager , please submit your CV including an outline of your experience as a Credit Control Manager . It is always a good idea to include a covering letter outlining your experience as a Credit Control Manager with your application as this will enhance your chances of selection and improve your prospects of landing the Credit Control Manager role you desire.