Are you ready to step into a high-impact role where you’ll shape how we manage Trade Credit across one of the UK’s fastest-growing retailers? As Trade Credit Finance Manager, you’ll report to the Senior Finance Manager and take full ownership of managing Trade Credit debt and risk. You’ll play a key role in supporting the growth of our Trade Credit proposition – a vital part of the Screwfix offer to our customers. You’ll lead a small team and be the main point of contact for our third-party credit partners, making sure those relationships are strong and performance stays on track. Collaboration is key – you’ll work closely with our B2B Key Accounts team, Proposition, and Kingfisher to make sure our credit facility evolves with the business. It’s a great opportunity to take ownership, drive improvements, and really shape the future of Trade Credit at Screwfix. Internally this role is known as Underwriting- Legal Specialist. What's in it for you? Discretionary annual bonus up to 20% 33 days' holiday (including bank holidays, 5 of which can be taken flexibly) Hybrid working & f lexible start and end times around core working hours Buy More Holiday - eligible colleagues can boost their holiday allowance up to 5 days EV Care Scheme in Partnership with Tusker - eligible colleagues can lease a brand-new or pre-loved electric vehicle Up to 14% employer pension contributions Life cover up to 4x your salary Health cash plan and discounted gym memberships (up to 25% savings) 20% discount at Screwfix and B&Q Lead and develop a team of underwriting and legal assistants – including but not limited to their coaching, development, management and delegation of tasks, and setting expectations Manage our third-party relationships which support our Trade Credit proposition, challenging operational performance and identify potential improvements to current processes. Manage risks & opportunities ensuring our Trade Credit proposition is future proofed. Manage current risk exposure across the Trade Credit debt book, understanding the impact of market trends and the Commercial environment. Drive efficiencies and improvements into the business, focusing on the management of our debt and customers. Be responsible for formulating, maintaining, and providing advice/guidance on credit policy and procedures to mitigate risk. Be responsible for debt recoveries, fraud reduction and legal processes. Review customer information from various financial and credit referencing agencies for the purposes of assessing credit worthiness for new and existing customers. Support internal and external audits as required. Support business transformation activities as required. Ensure all standard operating procedures are complete and updated annually. Ensure compliance with the Group Financial Reporting Manual and Screwfix internal controls. Where appropriate, escalate risks/issues to Senior for review, mitigation and discussion. Identify process improvement opportunities which support continuous improvement as part of Screwfix Smart Working. Good understanding of how to interpret Company accounts and risk is essential. Must demonstrate a good level of commercial acumen possessing the ability to weigh up risk versus reward. Proven experience of granting credit limits (under writing / credit vetting). Legal Understanding of limited and non-limited organisations. Experience of managing Third Parties, both establishing and maintaining relationships. KPI management, establishing and monitoring performance. Ability to develop solutions to problems and identify process improvement opportunities. At Screwfix, Your Wellbeing Comes First: Financial wellbeing Wagestream access to track earnings and save Access to the Kingfisher Share Scheme Colleague support fund Exclusive offers and discounts via our Hapi app Cycle-to-work scheme and savings on bikes Every day benefits Career progression and development programmes Coaching and mentoring to help you thrive Access to wellbeing resourcing including PepTalk Support networks available Sustainability at Screwfix We’re committed to building a better future for our community and our planet. That’s why we’re doing everything we can in six key areas: eliminating carbon emissions, reducing and recycling waste, sourcing responsibly, keeping products in use for longer, selling more sustainable products and providing sustainable packaging. We’re on a mission to put sustainability at the forefront of everything we do. Join us. We’ve worked hard to create a culture of inclusivity and genuine community. We’re a company built on teamwork, and the best teams are ones in which everyone can share their view. Whatever your background, however you identify, you’ll be listened to, encouraged, and given the tools and training you need to get ahead. You’ll always know where you are with us. We’re open. We’re fair. And we believe in opportunities for everyone. Please let us know at careers@screwfix.com if you need any additional support or adjustments when it comes to your application. NO AGENCIES PLEASE LI-Hybrid