The Credit Manager is responsible for the entire credit function from the granting of credit to the collection of debt. The Credit Control and Credit Risk teams both report into this position. The Credit Manager must work to maximise sales whilst minimising risk to the business. Key Responsibilities Ensure the Credit Policy is adhered to by all members of the team Carry out regular credit limit reviews and increase/reduce where necessary Monitor the credit granting process to ensure credit limits are being signed off within agreed levels Oversee the creation of new accounts including all due diligence checks and assessment of creditworthiness Build relationships with customers and discuss financial accounts, credit limits, late payments, payment plans and visit when required Work within the terms of the Group Credit Insurance Policy to keep exposure to an agreed level Regular meetings with the Sales Manager and Customer Care Manager to discuss key accounts Liaise with Group over mutual customers and standardise terms where applicable Deal with credit reference agencies where applicable Take accountability for the full aged debt and keep overdue debt to a minimum Work with the Accountant to agree realistic Working Capital targets Support and encourage the Credit Control Supervisor to hit cash targets Report on the aged debt including overdue balances, balances over credit limit and credit limits over the insured level Discuss potential bad debts with the team and identify accounts where legal action is necessary Carry out regular employee reviews and monitor performance Hold regular team meetings to discuss workload, business initiatives and new ideas Work towards Key Performance Indicators set by the Accountant Maintain a high performing work ethic in line with company values and management expectations Demonstrating strong awareness of and commitment to Ethics and Compliance and the Group Business Conduct Guidelines. Essential Role Competencies Clear decision making Experience working in / managing a credit department Good communication skills with the ability to challenge where appropriate Ability to influence Experience in people management Ability to direct work and drive results Excellent attention to detail Well organised with the ability to prioritise workload Ability to analyse data and justify decisions Good working knowledge of Outlook, Excel and Word