Job Description
Role Summary
The Credit & Operations Director is a key member of the senior management team, responsible for leading and optimising the credit, collections, compliance, and administrative functions within the Business Unit. This role plays a pivotal part in defining and delivering the BU's credit strategy, driving operational efficiency, and ensuring regulatory and policy compliance - all while contributing to the overall profitability and performance of the organisation.
Key Responsibilities Strategic Leadership & Credit Oversight
* Develop and implement the credit strategy for the Business Unit in line with business goals.
* Set and monitor credit and operational KPIs, providing leadership across departments to meet performance targets.
* Identify underperformance and lead corrective action planning with senior stakeholders.
* Drive continuous improvement initiatives using lean methodologies and best practice.
Governance & Compliance
* Ensure full compliance with Group credit policies, AML, PEP requirements, and local regulations.
* Maintain strong internal control environments and risk management procedures.
* Lead all governance and compliance reporting for credit and operational functions.
Operational Excellence
* Lead and develop the credit & operations team, fostering a high-performance culture and succession planning.
* Oversee administrative functions including reporting, systems, and process development.
* Embed KPI dashboards and tools to improve data visibility and decision-making.
* Deliver accurate, timely reporting in alignment with Group and Business Unit timelines.
Cross-Functional Collaboration
* Work closely with Commercial Operations, Legal, Central Credit Organisation, and external advisors.
* Provide strategic input to Business Plans and Market Plans.
* Hold monthly performance reviews and support internal stakeholders with insight and recommendations.
Candidate Profile Essential Skills & Experience
* Minimum 5 years' experience in credit and collections within the business finance or financial services sector.
* Proven senior leadership experience, ideally with P&L accountability and cross-functional management exposure.
* Strong knowledge of applicable contract law and compliance regulations.
* Experience implementing credit and operational strategies with measurable impact.
* Fluent English
Education & Qualifications
* Degree or equivalent in Finance, Business, Law, or related discipline.
* Advanced knowledge of credit risk management, collections processes, and operational reporting.
* Familiarity with modern credit management systems and reporting tools.
Desirable
* Experience managing large, multi-functional teams.
* Additional languages beneficial.
Key Competencies
* Strategic thinker with strong commercial awareness.
* Clear and persuasive communicator with excellent stakeholder engagement skills.
* Highly organised, analytical, and solution-oriented.
* Strong leadership presence with the ability to coach, challenge and inspire teams.