Front End Risk Account Manager

Hybrid (3 days per week in our Chester office)

37.5 hours a week (Monday – Friday)

Accelerate your career with a company that leads the way

Join Next Gear Capital, part of Cox Automotive, a fast-paced and innovative vehicle funding business. This is a fantastic opportunity to step into a dynamic risk-focused role where you’ll influence outcomes, support dealers and protect business performance.

As a Cox Automotive team member, you’ll have access to a wide range of benefits, including exclusive discounts, cashback offers and our brilliant peer to peer recognition scheme. And there’s even more to enjoy:

• Option to buy additional holiday days
• Your birthday off every year
  - paid
• One annual Well-Being Day for you to relax and recharge
• One paid Charity Day to give back and support a cause that matters to you
• Opportunities for career progression across the Cox Automotive network

As a Front-End Risk Account Manager (FRAM), you’ll play a key role in proactive risk management, working closely with dealers and internal teams to drive performance and minimise risk.

This is not a traditional collections role, the position is focussed on proactive portfolio and risk management within a commercial automotive finance environment.

• Support and guide dealers to improve performance and compliance
• Assess account health and take appropriate action to protect investment
• Collaborate with Field Operations on risk mitigation strategies
• Analyse portfolios to identify exposure and recommend actions
• Manage non-default accounts and lead effective collection strategies
• Develop and implement tailored recovery or workout plans
• Produce accurate weekly and monthly reports
• Support wider business objectives as required

• Experience in credit risk, portfolio management, commercial lending, asset finance or business to business account management.
• Experience working within automotive finance or a similar secured lending environment (would be advantageous).
• The ability to balance customer relationship management with credit risk and commercial decision making.
• Confident communicator with the ability to influence and coach stakeholders
• Experience working with field-based teams
• Experience in collections or arrears management is beneficial where it has been part of a broader credit or portfolio role (not essential)
• Organised with the ability to prioritise effectively
• Experience with SBS Financing Platform (WFS) is desirable

We are proud to be an inclusive and equal opportunity employer. We celebrate diversity in all its forms. We are a place where you can be you.