Job Title: Credit Risk Manager Location: UK (Hybrid) Division: Finance & Treasury Reports to: Treasury Manager About Us: Join a global FMCG leader committed to operational excellence and the development of our people.
As we continue to grow and innovate, we are looking for a forward-thinking Credit Risk Manager to manage the UK's accounts receivable portfolio, ensure cash flow optimisation, and safeguard our financial health.
With a proactive and solutions-focused mindset, you will play a pivotal role in streamlining processes, enhancing the order-to-cash cycle, and partnering closely with key stakeholders to drive business success.
Role Overview: As the Credit Risk Manager, you will take full ownership of the UK accounts receivable function, leading a dynamic team of three professionals to maximise cash receipts and minimise bad debt.
You will oversee the entire Order-to-Cash (OTC) process, continuously driving improvements to support business efficiency, and work closely with internal and external stakeholders to enhance credit risk management.
Your hands-on approach, combined with a philosophy of active business partnering and continuous development, will ensure that the accounts receivable function operates at the highest standards while fostering a culture of innovation and progression within the team.
Key Responsibilities: Order-to-Cash Management: Lead the design and implementation of an efficient, "right-first-time" OTC process, challenging existing work flows and standard operating procedures.
Drive process improvements and implement innovative solutions to enhance team efficiency and optimise cash flow.
Collaborate with the Operations teams to ensure seamless order processing, accuracy, and a total ownership mindset throughout the OTC cycle.
Engage with local and HQ stakeholders to recommend system improvements, innovations, and enhancements across Treasury & Finance.
Credit Risk & Accounts Receivable Management: Oversee the month-end reporting process, supporting the Treasury Manager and Financial Accounting team in ensuring accurate and timely reporting.
Maximise cash collection while minimising bad debt exposure within the customer portfolio.
Conduct regular assessments of credit risk exposure, providing actionable insights and recommendations to mitigate potential risks.
Work closely with Key Account teams and customers to improve efficiencies and challenge current practices within the OTC cycle.
Maintain an accurate and clean sales ledger, creating SOPs and standardised routines to achieve DSO and Net High Risk targets.
Oversee the internal rebate approval process to ensure timely invoice approvals and balance sheet accuracy.
People Management & Development: Take ownership of the performance management and development of your team, setting clear operational goals and managing regular performance appraisals.
Foster an environment of innovation and progression, defining bespoke objectives and development plans for team members.
Ensure the team remains appropriately resourced, engaged, and aligned with business goals and KPIs.
Promote a culture of learning and personal development, ensuring your team is prepared for both short-term challenges and long-term opportunities.
Business Partnering & Stakeholder Engagement: Establish strong relationships with key internal and external stakeholders, becoming a trusted business partner at all levels.
Collaborate closely with Financial Accounting, Sales Controlling, and Key Account teams to create transparency and visibility on financial planning cycles and statutory deadlines.
Leverage data and analytical insights to drive change, influence stakeholders, and communicate key messages effectively across the business.
Qualifications: Strong experience in accounts receivable or credit risk management, preferably in the FMCG or retail sector.
Proven track record of managing a high-volume receivables portfolio and leading teams in a dynamic, fast-paced environment.
Experience with SAP ERP systems and expertise in OTC process enhancements and optimizations.
Excellent analytical skills with the ability to work quickly and accurately under pressure.
Sound understanding of financial accounting, reporting, and key performance metrics such as DSO and Net High Risk.
Exceptional communication skills, both verbal and written, with the ability to convey complex financial information clearly and concisely.
Strong commercial acumen and a natural curiosity about business operations and development opportunities.
Proficiency in Microsoft Excel and other Microsoft tools.
Ability to balance competing priorities and deliver results within tight deadlines.
A passion for people management, team development, and fostering a collaborative work environment.
Why Join Us?
Impact: Be part of a global FMCG leader where your contributions directly impact business success.
Growth: We invest in our people-offering continuous development opportunities and career progression.
Culture: A dynamic, fast-paced environment with a collaborative, results-driven culture that fosters innovation.
Benefits: Competitive salary, performance-based incentives, and comprehensive benefits package.
Next Steps: Apply today to join our team and contribute to the ongoing success of a world-renowned FMCG brand.
Handle actively welcomes applicants from under-represented backgrounds - we pride ourselves on attracting the best talent for every opportunity through a commitment to equality, diversity and inclusion.