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 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