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