Job Description

Credit Controller - Role Description

Reports to: Local Branch Finance Manager

Location: Walsall or Keighley

Department: Finance

Employment Type: Full-time, Permanent, Hybrid working

Customer Scope: UK Customers Only

About the Role

We are seeking a highly motivated and commercially minded Credit Controller to join our Finance team. This is a key role within our working capital cycle, responsible for managing UK customer receivables with a proactive, business-partnering approach.

You will work closely with commercial and operational teams to support financial accountability, ethical decision-making, and consistent application of credit policies. This role is integral to optimising cash flow and ensuring financial discipline across the organisation.

Key Responsibilities

Credit Management: Monitor customer credit limits and exposure, recommend appropriate limits based on risk assessments, and ensure compliance with internal credit policies

Collections: Proactively manage the debt collection process to minimise overdue balances and DSO; build relationships with customers to facilitate timely payments

Credit Insurance: Administer credit insurance cover, ensuring customer limits are applied in line with policy and claims are managed accurately

Cash Allocation: Ensure accurate and timely allocation of customer payments to invoices, working with the wider finance team to reconcile discrepancies

Dispute Resolution: Work cross-functionally with Sales, Customer Service and Operations to resolve payment issues or invoice queries efficiently

Reporting: Prepare aged debt reports and credit risk updates for finance and leadership teams

Process Improvement: Identify and implement improvements to credit control processes, driving efficiency and consistency in line with best practice

Working Capital Focus: Contribute to cash flow optimisation and wider working capital improvement initiatives

Ethical Discipline: Uphold strong financial controls and operate with integrity in all credit control activities

Who You Are

You are a resilient and organised finance professional with a strong sense of ownership and commercial acumen. You're a true business partner--proactive, accountable, and eager to collaborate beyond finance.

You bring the right balance of firmness and customer service, and you value accuracy, discipline, and continuous improvement.

Key Skills and Experience

Proven experience in credit control or accounts receivable roles, ideally in a B2B environment

Experience with UK customers and knowledge of credit insurance processes

Familiar with credit risk assessment and credit limit setting

Confident in managing customer relationships and handling difficult conversations

Strong Excel skills and experience with ERP systems

Highly accurate with good analytical and organisational skills

Comfortable working to deadlines and managing competing priorities

Desirable Attitudes and Behaviours

Thinks commercially and understands business drivers

Ensures financial accountability across teams and functions

Champions ethical decision-making and financial discipline

Operates efficiently and consistently

Proactively identifies and solves problems

Collaborates effectively with non-finance teams

What We Offer

Competitive salary

Participation in the TFC Group Bonus Scheme

20 days holiday plus statutory holidays

Pension scheme and life assurance

Career progression in a high-performing finance function

A supportive, values-driven culture that encourages growth

Job Types: Full-time, Permanent

Pay: 25,000.00-28,000.00 per year

Benefits:

Company pension Work from home
Schedule:

Monday to Friday
Work Location: Hybrid remote in Walsall WS9 8EG