Job Description
Credit Analyst Job Leicester, Permanent, Office-based
Position SummaryThe Senior Credit Analyst oversees the full Order-to-Cash (O2C) cycle, integrating credit risk management with proactive collections and hands-on cash application. The role is focused on driving cash flow performance, minimising risk, and maintaining accuracy within a fast-paced, global environment. This position is instrumental in improving working capital and enhancing credit and collections processes across a diverse international customer base.Key ResponsibilitiesCredit Risk Management
* Evaluate the creditworthiness of new and existing customers through detailed analysis
* Review and recommend credit limit adjustments, ensuring approval in line with delegated authority frameworks.
* Obtain and assess credit reports and bank references when required
* Make informed credit decisions based on risk assessments
* Partner with Sales and Customer Care to identify alternative solutions where standard credit terms are not viable.
* Ensure compliance with company policies and approval protocols, escalating where necessary
Collections & Accounts Receivable
* Manage a high-volume portfolio of accounts, ensuring timely collection of outstanding balances
* Oversee accounts across multiple regions and currencies
* Execute structured collections activities, including follow-ups and escalation of overdue accounts
* Investigate and resolve billing disputes, deductions, and short payments
* Contribute to reducing aged debt and improving overall collection metrics
* Support month-end reporting and close processes
Cash Application & Reconciliation
* Perform accurate and timely cash application within SAP
* Allocate incoming payments and match them correctly to customer accounts
* Investigate unapplied cash and resolve discrepancies
* Maintain integrity of the accounts receivable ledger and support period-end close activities
Stakeholder Management
* Collaborate with Sales, Customer Care, Operations, Finance, and Legal teams to resolve issues efficiently.
* Engage directly with customers to handle payment queries and escalations
* Liaise with external credit agencies to support credit assessments and decisions
Reporting & Process Improvement
* Monitor AR ageing and account activity using SAP and collections tools
* Support the preparation of reporting related to accounts receivable and collections performance
* Identify opportunities to improve processes, driving efficiency and stronger financial controls
* Assist with ad hoc projects across credit, treasury, and cross-functional initiatives
Qualifications
* Bachelor’s degree in Finance, Accounting, or a related discipline (or equivalent experience)
* Minimum of 6 years’ experience in credit, collections, and accounts receivable within a high-volume environment
Skills & Competencies
* Strong attention to detail with a proactive, hands-on approach
* Ability to manage competing priorities in a fast-paced, high-volume setting
* Experience in multi-entity and multi-currency environments
* Strong SAP experience (FI/AR module) within an Order-to-Cash function
* Familiarity with collections or receivables management systems
* Advanced Excel skills, including pivot tables, lookups, and large data analysis
* In-depth understanding of AR processes, including collections, cash application, and reconciliations
* Experience resolving unapplied cash, discrepancies, and performing variance analysis
* Proven ability to manage collections portfolios and resolve payment issues
* Strong communication and stakeholder management skills
* Solid understanding of credit risk principles
* Excellent analytical and problem-solving abilities
If you're interested in this role, click 'apply now' to forward an up-to-date copy of your CV.If this job isn't quite right for you, but you are looking for a new position, please contact us for a confidential discussion about your career.#4799861