Credit Manager

Job Description

Job Title: Credit Manager

Line Manager: Head of Operations

Company:

Qualitymark Protection have been actively safeguarding consumer investments in home improvements for over 26 years. In this time, we’ve helped the home improvement industry raise installation standards, strengthened our accreditation & monitoring procedures, and provided consumers with quality financial protection. Qualitymark has issued over 1,000,000 Insurance Backed Guarantee and Deposit Protection Insurance policies. Based in contemporary offices on the edge of Chorley. We are a business building a future for our employees through diverse investment and continued ambitious growth.

Role Purpose:

The Credit Manager will bring in their expertise in credit management and insolvency risk to drive the business forward. They will be working across QMP to develop and deliver training to employees to raise awareness and how to identify signs of credit risk. The ideal candidate must have a keen desire to join an innovative and fast-growing insurance company.

Accountabilities:

• Provide oversight, strategy, advice, and coordination of credit risk management for the business
• Proactively identifying emerging risks and trends, utilising various data systems, such as investigating the installer client’s accounts.
• Developing and leading the enhanced monitoring process by assisting in effective training and communication to drive employee understanding of risk.
• Provide valuable insight and new ideas to drive the continuous improvement in operations and deliverables for our customers
• Inspire collaboration with peers and participate in creating an environment that encourages learning and growth
• Maintain a collaborative relationship with new and existing clients.
• Vetting existing clients, applying knowledge of business liquidation and insolvency to identify potential risk.
• Liaising with at-risk clients to establish a viable solution that ensures they honour their policies.
• Applying knowledge of business structures and shareholders, financial responsibility, and credit management to protect consumers in the event installers cease to trade.

Experience:

• Experience with handling liquidation and insolvency; a detailed understanding of the available options and ability to make an informed decision on an appropriate course of action.
• Experience of utilising online credit searches to establish client's financial situations.
• Experience of using Companies' House and other databases to look at company formation and accounts.
• Experienced in reading into complex company structures and understanding liabilities.
• Experience in understanding full company accounts and using the data to make sound commercial judgments.
• A track record of identifying business issues and developing persuasive recommendations for improvement
• Prior experience in credit control and risk management, ideally, experience in running and improving processes within an insurance business
• Experience with interrogating various data systems and highlighting potential risk

Skills:

• Ability to communicate complex ideas effectively, both verbally and in writing
• Strong understanding of high-volume data structures within systems
• Highly developed communication skills - written & verbal
• Strong attention to detail
• Critical thinking, coupled with advanced analysis, problem-solving techniques and business/data analysis
• Confident with Microsoft applications

Why work for us?

• £35,000 per annum
• 37.5 hours / week (8.30am - 5pm, Monday - Friday)
• 25 days paid leave + celebration day (plus bank holidays)
• Hybrid working available after the probation period
• Pension Scheme
• Free Parking
• Easy access to M6, M61 and M65 motorways

Values and Behaviours

1. We must treat all people (including customers, colleagues, suppliers, and the wider stakeholder community) with respect all at times.
2. We will not accept rude behaviour from customers, employees, suppliers, and stakeholders at any time.
3. We will only employ, and continue to employ, employees and engage with suppliers who display openly the personal characteristics of humility, honesty, enthusiasm, respect, positivity and a 'can do’ attitude.
4. We will seek opportunities (at least annually) to identify employee training needs (and wants) and wherever possible and practicable, provide time and resource to accommodate these needs (and wants).
5. We shall be very careful in our recruitment and maintenance of 'customers’ (customers here being defined as 'any body corporate or otherwise paying regular fees to the company’) to ensure, wherever possible, that these customers share these 'values’.
6. We shall, at all times and in all decision making, try to ensure the best possible outcomes for our clients and consumers in every action we take.

Please note: As an Insurer, we are obligated to undertake due diligence in relation to employee’s honesty and good repute. The successful candidate will be subject to initial and ongoing honesty and good repute checks, including reference checks, Credit Reference Agency checks, and we may also include Criminal Record checks, through the Disclosure Baring Service (DBS). All checks are undertaken by us, and there is no cost to any applicant or employee.