Job Description

About The Role

We are looking for an experienced Credit Manager to oversee and act as the primary point of contact for credit Insurance; working closely with underwriters, brokers, and internal teams to mitigate counterparty risk for B2B customers.

The role will monitor credit insurance strategies to protect the company's financial integrity, managing customer non-payment, insolvency, or late payments/defaults to adhere to the policy requirements. The role will also require fostering strong relationships, both internally & externally.

What you will do...

Day-to-day operational relationship management of the credit insurer and broker. Supporting all risk-based decision making that goes through the insurer BAU / escalated. Managing customers creditworthiness of counterparties managing credit limits, monitoring payments in accordance with policy guidelines. Data & Reporting - Manage & monitor credit exposure across B2B and report regularly on coverage, claims, and risk exposure to senior leadership team. Continuously tracking outstanding debts and customer payment behaviours to detect early warning signs of financial difficulty. Claims & Recovery Oversight - Handling claims with the Insurer when a customer fails. Regular performance tracking of the policy. Key stakeholder management -Work cross-functionally with finance, B2B Debt, Sales, CX, Legal & Compliance to align credit insurance coverage with operational and contractual risk exposure. Contract Review - Support contract negotiations advise on credit insurance requirements and risk to ensure we are onboarding the right business. Further improve bad debt performance. Improve overarching business cash flow performance. Future development on ways of working to the insurer to optimise ROI.

Key Behaviours/Competencies

Strong analytical skills with the ability to assess financial risk Knowledge of Credit Insurance principles Reporting methods and processes Strategic leadership and influence providing clear confident communication to manage both Internal & external relationships You will have a high level of detail, demonstrating persistence to work through complex problems independently. Identify trends and work with B2B business to establish root cause and improve business strategies. business acumen to align credit policies with company goals. Act as a key point of contact for anything relating to Credit Insurance. Proactive approach to decision making and working under pressure and adhere to timescales.

About You

The ideal candidate will have strong credit risk and debt management expertise, preferably in the energy or commodities sectors.

You will have a full understanding of financial data and excellent stakeholder management skills in building both Internal & external relationships.

The role will require you to be a strong communicator, both written and verbal, with the ability to convey key information in a variety of digestible formats in a timely manner ensuring any claims/defaulted related to customers are reported on time / to policy.

Experience in analytics would be beneficial, enabling insight into industry and political risks that could impact a customer's ability to pay.

What will you bring...

Strong understanding of financial data preferably within the energy sector. Extensive experience in credit management or trade credit risk, ideally within the energy or commodity industries. Familiarity with credit insurance markets and broker relationships. Solid understanding of trade finance instruments and receivables risk. Strong communication and negotiation skills, with the ability to influence internally and externally. Experience with structured trade credit programs or project finance insurance. Preferable certification in credit management, risk, or insurance qualification.

About Us

Ecotricity is Britain's greenest energy company. When we started back in 1995, we were the first company in the world to provide a new kind of electricity - the green kind.

Our mission was, and remains, to change the way energy is made and used in Britain - by replacing fossil fuels with clean, renewable energy.

We don't just supply green energy, we use the money from our customers' bills to make it ourselves too - we build windmills, sun parks and green gasmills in Britain. We call this turning 'bills into mills'. Some of our biggest achievements to date include building Britain's first megawatt windmill and the country's first grid-scale sun park, as well as building our first green gasmill, generating 100% green gas from a source that we will never run out of grass.

We don't just focus on energy though- we built the Electric Highway, Britain's leading network of electric vehicle charging points; we helped Forest Green Rovers become the greenest football club in the world; and we launched Britain's greenest mobile phone service, Ecotalk, where they use the money from their customers' bills to protect and regenerate Britain's lost rainforests.

What we offer...

We care about our people as much as we care about the planet. Our benefits include:

Healthcare plan Life assurance and generous pension contribution Volunteering day Discounts across shops, gyms, days out and events 25 days holiday (plus bank holidays) with ability to buy/sell days Cycle to work scheme Car pooling and onsite parking
As a valued member of the team you will be supporting the Group Environmental policy and its associated targets to make the Green Britain Group net carbon neutral by 2025.

Flexibility statement

The fast moving nature of the company's business means that from time to time you may be asked to perform duties or tasks outside of your original job description on an ad hoc basis. This allows the company to use it's people in the best possible way at all times and helps the employees to make make their contribution in a changing environment.

Ecotricity is an equal opportunities employer and is committed to providing equality for all.

Job Types: Full-time, Permanent

Benefits:

Bereavement leave Canteen Casual dress Company events Company pension Cycle to work scheme Employee discount Enhanced maternity leave Enhanced paternity leave Gym membership Health & wellbeing programme Life insurance On-site parking Paid volunteer time Private medical insurance Referral programme Sabbatical Sick pay
Application question(s):

Will you now or in the future require sponsorship for employment visa status?
Work authorisation:

United Kingdom (preferred)
Work Location: Hybrid remote in Stroud GL5 3BY