Job Purpose

The Head of Credit plays a key role in driving the commercial and financial success of the business by leading credit operations across all Wholesale and Retail business units in Europe. Reporting to the Finance Director for Sales and Marketing the role is accountable for credit policies methodologies portfolio management reporting and monitoring as well as for improving underlying credit performance metrics.

The role leads the Credit Risk Committee and provides key input to the Working Capital Steering Committee. Working with a strong network of credit managers across regions the Head of Credit supports regional and central teams with a continuous improvement mindset. The position combines strategic leadership with handson involvement in credit control and legal processes making extensive use of data and analytics to improve credit risk outcomes and support the sales organisation. Regular interaction with regional teams and international travel are part of the role.

Responsibilities

Credit Strategy & Governance

• Define develop and maintain credit policies methodologies and portfolio management frameworks
• Lead the Credit Risk Committee and contribute to the Working Capital Steering Committee
• Ensure business units operate within defined credit risk appetite

Credit Operations & Performance

• Deliver credit objectives with strong results in collections risk management and service delivery
• Own and continuously improve collection strategies to manage company risk
• Oversee monthend close and credit reporting
• Manage credit insurance applications and relationships with credit insurers

Leadership & Team Management

• Lead coach and develop a credit organisation of 35 people across Europe with 5 direct reports
• Set objectives streamline processes and ensure efficient resource allocation
• Conduct regular onetoone reviews ledger analysis and performance tracking
• Foster a confident resultsdriven and collaborative team culture

Stakeholder & Business Partnership

• Act as the escalation point for creditrelated issues and resolve account disputes to reduce aged debt
• Review financials and credit limits for highrisk or strategic customers
• Act as a business partner to the Sales organisation
• Present credit and risk performance to senior management including credit committees and working capital forums
• Work closely with key stakeholders to manage query logs and response times

Analytics & Continuous Improvement

• Develop and produce analytics and reporting on credit risk and performance
• Use data and analytics to identify improvements in credit risk positioning
• Assist with crossfunctional projects related to credit risk and working capital

Qualifications & Experience Required

Experience & Expertise

• Proven track record in implementing and maintaining credit risk strategies and policies
• Strong experience in credit risk modelling and scorecard development
• Experience in a Europeanwide role with demonstrated people leadership
• Handson experience with endtoend credit control and legal processes

Technical & Professional Skills

• Strong credit financial analysis and modelling skills
• Ability to prepare highquality structured credit papers
• Strong understanding of customer experience metrics (NPS CES)

Soft / Behavioral Skills

• Strong communication and relationshipbuilding skills
• Comfortable in customerfacing environments
• Team player with a positive collaborative mindset
• Ability to work effectively in a fastpaced international environment

Languages

• Fluent English (group language)
• Other European languages are a plus

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