What We Want You To Do
Credit Risk & Bureau Liaison
* Managing credit risk referrals and customer queries with Experian.
* Working with Credit Safe & Experian to resolve data discrepancies and support upfront credit checks.
* Monitoring changes in risk profile across high‑value and good‑paying accounts.
Strategic Risk Assessment
* Assessing financial risk on large tender bids for new or renewing high‑value contracts.
* Making recommendations on litigation for high‑risk accounts.
* Supporting the development of predictive indicators and debt segmentation models.
Investigative & Recovery Work
* Conducting deep‑dive investigations into complex debt scenarios.
* Reviewing Companies House notifications (e.g., PTSO) and initiating internal actions.
* Tracing customers and missing information critical to recovery.
* Completing Land Registry checks to identify landlord details.
* Speaking directly with customers to determine the right recovery route.
* Leading or supporting tracing efforts for deregistered companies or accounts with missing data.
Compliance & Process Improvement
* Ensuring all activity meets regulatory, GDPR, and internal quality standards.
* Contributing to continuous improvement across the Debt Investigation team.
* Building strong relationships across Clear Business and developing expert knowledge of our systems and products.
What Success In The Role Looks Like
* Completed customer traces that directly support recovery outcomes.
* Fewer delinquent accounts with unclear debt paths.
* Reduced financial exposure through proactive tender‑risk reviews.
* Credit bureau queries resolved within SLA.
* Achievement of agreed objectives with improving KPIs.
Qualifications and Experience
* 2+ years in debt recovery, collections, or complex customer resolution, ideally B2B.
* Experience handling insolvency, PTSO cases, and tracing investigations.
* At least 12 months working with credit bureaus and understanding credit risk processes.
* Knowledge of B2B debt recovery regulations in England and Scotland.
* Utilities sector experience (preferred).
* Strong IT skills, including Microsoft Word, Excel, and PowerPoint.
Qualifications
* CICM qualification (preferred).
Benefits
* Pension contributions and life assurance coverage to support your future and protect what matters most.
* 25 days’ annual leave, increasing to 28 days with service.
* Your birthday off every year.
* Flexibility to buy up to 10 extra holidays or sell up to 5 days annually.
* Exclusive discounts at popular high street and online retailers.
* Cycle to work scheme and travel loans for people wanting a greener commute.
* Access to LinkedIn Learning.
Wellbeing & Support
* 24/7 access to a GP, mental health support and fitness programmes.
* Free legal and financial advice.
* A strong focus on wellbeing, supported by resources to help you feel your best.
The Important Extras
* Hybrid working - up to three days a week from home.
* Charity fundraising and volunteering opportunities.
* Fantastic on‑site facilities, including a free gym and free parking.
* A full‑time, permanent contract (37.5 hours per week).
* No weekends and every bank holiday off.
Across Clear Business, we’re passionate about creating an inclusive team and celebrating our diversity. We want talented people with great skills and matching values to join our teams.
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