Credit Risk Account Manager

## Credit Risk Account Manager Apply locations:
United Kingdom, Pentre Bychanposted on:
Posted Todaytime left to apply:
End Date:
July 1, 2026 (13 days left to apply) job requisition :
R-28372
** Credit Risk Account Manager
**** Wrexham or Glasgow
**** Salary from £47,200 - £59,000 per annum
**** Permanent
* *** Hybrid working*
* *** Help us create a better future, quicker
*** The job is focussed on providing expert support to the Customer Business collections function, particularly credit reference agencies for consumer and business customers. You’ll articulate business ideas, suggestions and problems in business and system terms and develop business cases to convert them into deliverable solutions. You’ll have expertise regarding improving business processes and supports day-to-day operations to ensure that the business solution performs effectively.

The role involves coordinating and promoting the Sales Risk Policies for Scottish Power Customer Business. You'll facilitate the provision of data sharing with external credit and data agencies. You’ll be working with departments across the business and with third parties to ensure affordability and consumer data purchase is in line with business requirements, regulations and budgets within the Scottish Power Customer Business.

*** What you’ll be doing**
* ** Policies*
* · Create, maintain and implement the credit risk policies and procedures to the business to ensure debt and collections and operational effectiveness is maintained at a high standard
· Ensuring policies comply with current utility industry and other regulations, and liaison with the Data Protection Officer and Legal team.
· Provide intra departmental guidance and advice as a business risk expert concerning customer behaviour, portfolio stability and debt risk policies.
** Credit Risk*
* · Develop comprehensive requirements or specifications that will identify, control and manage the use of credit reference agencies and data agencies
· Develop comprehensive requirements or specifications that will identify, control and manage the use of data sharing of customer information in line with regulatory and data protection best practices.
· Develop comprehensive requirements or specifications that will identify, control and manage the use of purchased data to improve the collections and data quality of the business.
· Identify interdependencies and highlight / identify gaps in existing functionality and frame this problem in business and SAP terms.
** Projects & Business Improvement*
* · Identify Credit Risk process and systems development project opportunities and manage the full project lifecycle utilising appropriate project management tools and techniques
** Controls*
* · Identify suitable tools and reports for use/development required to monitor the effectiveness of the risk policies
· Monitor and report on departmental adherence to policies across the business with relation to specific KPI’s and challenge inferior performance
** Referrals*
* · Manage the internal credit risk referrals process to assist in ensuring debt provision operates within business debt budget targets ·
· Evaluate and anticipate existing customers account performance with respect to authorising or rejecting decisions.  
*** What you’ll bring**
* ** Skills and Requirements*
* · Commercial, collections and dunning experience, or educated to Degree level
· Good Knowledge of Domestic and Commercial debt, risk and collections processes
· Working Knowledge of Domestic and Commercial sales processes
· Experience of credit management/risk activities or membership of the Institute of Credit Management or similar body, or equivalent experience.
· Customer management skills
· Experience of driving change systems and business implementation management
· Business case, financial and cost modelling development
· Strong customer focus
· Analytical thinking
· Ability to work in a complex environment and will constantly rely on creativity to resolve challenges.
· Strong networking skills with a proven ability to communicate effectively at all levels within organisation.
· Ability to implement and maintain quality assurance processes
** Minimum Criteria*
* ·…