Senior Credit Analyst

Location - Manchester, UK

Job Description Summary

Provide a brief (3 – 4 sentence) description that states “why” the job exists and describes the nature and level of work.

As a Senior Credit Analyst in our CDMO pharmaceutical company, you will play a critical role in managing credit risk across a diverse portfolio of global clients. You will assess the financial health of customers, establish credit limits, and ensure compliance with internal credit policies to support sustainable growth and mitigate risk. This role requires strong analytical skills, industry knowledge, and the ability to collaborate cross-functionally with commercial, legal, and finance teams.

Job Description

Define all key accountabilities (5-10), which the role will be expected to perform in short to medium future. Make sure that you list the accountability on top, which the role will be doing most frequently and which has most impact on the the team/BU. Begin each sentence with an action word, e.g. Provides appropriate coaching and performance feedback to all direct reports.

• Evaluate the creditworthiness of new and existing customers using financial statements, credit reports, and market intelligence.
• Recommend and monitor customer credit limits, ensuring alignment with company risk appetite and business objectives.
• Track and report on credit exposures, payment behaviors, and aging trends. Proactively identify and escalate potential risks.
• Engage directly with customers to resolve credit-related issues
• Ensure adherence to internal credit policies and procedures, and contribute to their ongoing development and refinement.
• Work closely with Sales, Legal, and Finance teams to support contract negotiations, dispute resolution, and strategic decision-making.
• Support in preparation of regular reports and dashboards for senior management, highlighting key metrics, trends, and recommendations.

Primary Location*

Manchester, UK

Key Stakeholders

Program Managers

Commercial Teams/Customer Service

Supervision Received

Indicate one level of supervision the incumbent is expected to need from these 5 levels.

The incumbent is assigned duties according to specified procedures and receives detailed instructions. Work is checked frequently.

The incumbent performs a variety of routine work within established policies and procedures, and receives detailed instructions on new projects and assignments.

The incumbent normally receives little instruction on day-to-day work and receives general instructions on new assignments.

The incumbent establishes methods and procedures for attaining specific goals and objectives, and receives guidance in terms of broad goals. Only the final results of work are typically reviewed.

The incumbent exercises wide latitude in determining objectives and approaches to critical assignments.

Qualifications

GCSE or equivalent qualification in Mathematics and English

Field of Study

Work Experience

Credit Risk

Advanced - 5-10 years

Global Business Services

Advanced - 5-10 years

Skills

• Minimum 7-10 years of experience in credit analysis, preferably within the pharmaceutical or manufacturing sectors.
• Strong understanding of financial statements, credit scoring models, and risk assessment tools.
• Familiarity with international credit risk and trade finance.
• Proficiency in SAP and Microsoft Excel; experience with BI tools and High Radius is a plus
• Excellent communication, negotiation, and stakeholder management skills.
• Ability to thrive in a fast-paced, matrixed organization.
• Detail-oriented with strong analytical and problem-solving capabilities.
• Part-qualified in a professional accounting or finance qualification (e.g., CIMA, ACCA, or CICM).

• Seniority level
  
  Mid-Senior level

• Employment type
  
  Contract

• Job function Finance
• Industries Credit Intermediation and Accounting

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