Job Description

Are you ready to take on a role where your investigative skills and financial insight can make a real impact? At Clear Business, we're looking for a Credit Risk and Debt Investigator to help us trace and recover high-risk accounts, resolve complex debt scenarios, and work closely with credit bureaus to protect our business and our customers.
This role is pivotal in safeguarding Clear Business's financial health by proactively identifying and resolving complex debt scenarios. You'll play a key part in shaping our debt strategy, minimising risk exposure, and ensuring sustainable revenue recovery.
What we want you to do
Credit Risk & Bureau Liaison

• Manage credit risk referrals and customer queries in line with our data exchange agreement with Experian
• Liaise with Credit Safe and Experian to resolve data discrepancies and support upfront credit vetting
• Monitor changes in risk profiles across high-revenue and well-performing accounts to identify emerging risks

Strategic Risk Assessment

• Assess financial risk in large tender bids for new or renewing high-value contracts
• Recommend litigation on high-risk accounts and provide actionable insights to support legal proceedings
• Contribute to the development of predictive indicators and debt segmentation models to enhance recovery efficiency

Investigative & Recovery Work

• Lead investigations into complex debt scenarios, identifying root causes and guiding accounts toward resolution
• Review Companies House notifications (e.g. PTSO) and initiate appropriate internal actions
• Conduct customer tracing and Land Registry checks to recover critical information
• Engage directly with customers to clarify unclear debt paths and determine appropriate recovery strategies
• Support tracing efforts for deregistered companies and accounts with incomplete or missing data

Compliance & Process Improvement

• Ensure all activity complies with GDPR, regulatory standards, and internal quality policies
• Contribute to the continuous improvement of team processes and procedures
• Build strong working relationships across Clear Business to support collaborative problem-solving

What success in the role looks like

• Complete targeted customer tracing to accelerate debt recovery and improve resolution outcomes
• Reduce the volume of delinquent accounts lacking a clear recovery path through strategic investigation
• Mitigate financial exposure by proactively assessing risk in high-value contracts and recommending protective actions
• Manage credit bureau queries in line with service-level agreements under data exchange protocols
• Deliver agreed objectives while driving positive trends across key performance indicators

What you need to have already done to be right for this role

• Minimum of 2 years' experience in debt recovery, collections, or resolving complex customer account issues within a commercial environment
• Proven track record managing insolvency cases, processing PTSO notifications, and conducting customer tracing investigations
• Hands-on experience working with credit bureaus, with a solid understanding of credit risk assessment and data exchange protocols
• Strong working knowledge of B2B debt recovery regulations applicable in both England and Scotland
• Industry experience within the utilities sector preferred, with familiarity in sector-specific challenges and recovery strategies
• Proficient in Microsoft Word, Excel, and PowerPoint, with the ability to produce clear documentation and data-driven insights

Skills

• Clear, adaptable communication across diverse audiences
• Strong attention to detail with excellent organisational skills
• Investigative mindset with a drive to improve customer outcomes
• Proactive, self-driven approach to personal and team development
• Professional and approachable, with a customer-first attitude
• Trusted team player who builds strong working relationships
• Capable of working independently and managing priorities
• Analytical and curious, focused on resolving complex issues

Qualifications

• CICM qualification preferred

Our Story
Clear Business was founded with a simple yet powerful mission: to make life easier for our customers and more fulfilling for our colleagues. We're proud to be one of the UK's leading providers for small businesses, offering a unique one-stop solution for essential services--including Phone, Broadband, Mobile, Water, Gas, Green Electricity, Payment Services, and Insurance.
Over the past 20+ years, our journey has been defined by innovation, growth, and recognition. We've earned prestigious accolades such as Investors in People, The Northern Contact Centre Awards 2023, and Learning at Work Week Awards 2023. Most recently, we were honoured with the 'One to Watch' award from Best Companies--an exciting testament to our culture, values, and commitment to excellence.
In return for your hard work, you'll get
At Clear Business, we know that great people make great companies. That's why we offer a benefits package designed to support your well-being, reward your hard work, and help you thrive--both in and out of the office.

• Pension contributions and life assurance coverage to support your future and protect what matters most.
• 25 days of annual leave, increasing to 28 days based on tenure.
• Your birthday off every year - because you deserve to celebrate.
• Flexibility to buy up to 10 extra holidays or sell up to 5 days annually.
• Exclusive discounts at top high street and online retailers.
• Cycle to work scheme and travel loans for people wanting a greener commute.
• 24/7 access to a GP, mental health support, fitness programmes, and free legal and financial advice.
• A strong focus on wellbeing, with resources to help you feel your best every day.

The important extras

• Hybrid working - enjoy the flexibility of working remotely for up to three days a week.
• Engage in charity fundraising and volunteering activities as part of our giving back initiative.
• Enjoy fantastic on-site amenities, including a free gym, free parking, a subsidised cafe, and an on-site bar for post-work drinks, quiz nights, and social events.
• Full-time/Permanent contract of 37.5 hours per week.
• No weekends and every bank holiday off.

What happens next
If you're ready to bring sharp insight, investigative drive, and strategic thinking to a team that values impact--apply now and help shape the future of debt recovery at Clear Business.
We're passionate about creating an inclusive team and celebrating our diversity. We want talented people with great skills and matching values to join our teams.
All successful candidates will be subject to pre-employment checks. Please note that this vacancy may close early if we receive a sufficient number of suitable applications; however, we may retain your application on file for future opportunities
#LI-JC1
We are one of the UK's leading providers of essential services to small businesses. We supply a wide range of essential services - Fixed Lines, Broadband, Mobile, Water, Gas, Green Electricity and Insurance through our sister company The Insurance Octopus. Our goal is to simplify essential services for our customers by offering the widest range of products on the market. Not only have we experienced continued growth and strong financial performance as a result, we have been recognised by the following awards:
The Lloyds Bank National Business Awards 2019
Greater Manchester Business Awards 2019
Lanarkshire Business Excellence Awards 2019
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