Job details
Job description
Credit Risk Officer
Department: Credit Management
Location: Nottingham (Hybrid – 3 days office / 2 days WFH)
Salary: Up to £30,000 per annum (DOE)
Reporting to: Senior Credit Risk Officer
About the Role
We are looking for a detail-oriented and proactive Credit Risk Assistant to support credit decision-making, fraud prevention, and customer onboarding. This role will work closely with the Credit Manager and Financial Controller to review cash-with-order and credit applications, identify risks, and propose solutions for credit limit increases. You will play a key role in unlocking trading opportunities while protecting the business from financial risk.
Key Responsibilities
* Oversee credit and cash transactions, ensuring appropriate credit limits and proactive risk management
* Identify and address potential non-payment and fraud risks
* Support and lead a smooth onboarding process for new customers
* Maintain accurate and up-to-date records of credit decisions across multiple systems
* Communicate credit decisions clearly to internal stakeholders
* Develop creative credit-building solutions that support revenue growth
* Collaborate closely with sales, customer service, and other internal teams
* Build and maintain relationships with credit reference agencies and insurance providers
* Assist with reporting, administration, and ad-hoc duties as required
Skills and Experience Required
* Proven experience in credit risk management or a related finance/credit role
* Strong understanding of credit risk principles, fraud prevention, and risk analysis
* Confident user of Excel
* Ability to read and interpret financial accounts
* Strong analytical, problem-solving, and decision-making skills
* Excellent attention to detail and ability to manage multiple priorities
* Effective communication skills and a collaborative approach
Desirable
* AAT qualification
* Experience working with credit reference agencies or insurance providers
Personal Attributes
* Positive, professional, and proactive attitude
* High levels of integrity and honesty
* Self-starter with a strong drive for continuous improvement
* Creative thinker with the ability to balance structure and innovation
This is an excellent opportunity for someone with a finance or credit background who is looking to grow their career in credit risk management within a collaborative and forward-thinking environment....