Credit Risk Account Manager

Job Purpose

The job is focussed on providing expert support to the Customer Business collections function particularly credit reference agencies.

Youll articulate business ideas suggestions and problems in business and SAP terms and develops business cases to convert them into deliverable solutions.

Youll have expertise regarding business processes and supports day-to-day operations to ensure that the business solution performs effectively.

The role involves coordinating and promoting the Sales Risk Policies for ScottishPower Customer Business. Youll facilitate the provision of data sharing with external credit and data agencies. Youll be working with

departments across the business and with third parties to ensure data purchase is in line with business requirements regulations and within debt budgets within the ScottishPower Customer Business portfolio.

Responsibilities

Policies

• Create maintain and implement the credit risk policies and procedures to the business to ensure debt and collections and operational effectiveness is maintained at a high standard
• Ensuring policies comply with current utility industry and other regulations and liaison with the Data Protection Officer and Legal team.
• Provide intra departmental guidance and advice as a business risk expert concerning customer behaviour portfolio stability debt risk policies legal frameworks and current and future UK economic conditions

Credit Risk

• Develop comprehensive requirements or specifications that will identify control and manage the use of credit reference agencies and data agencies
• Develop comprehensive requirements or specifications that will identify control and manage the use of data sharing of customer information in line with regulatory and data protection best practices.
• Develop comprehensive requirements or specifications that will identify control and manage the use of purchased data to improve the collections and data quality of the business.
• Identify interdependencies and highlight / identify gaps in existing functionality and frame this problem in business and SAP terms.

Projects & Business Improvement

• Identify Credit Risk process and systems development project opportunities and manage the full project lifecycle utilising appropriate project management tools and techniques

Controls

• Identify suitable tools and reports for use/development required to monitor the effectiveness of the risk policies
• Monitor and report on departmental adherence to policies across the business with relation to specific KPIs and challenge inferior performance

Referrals

• Manage the internal credit risk referrals process to assist in ensuring commercial debt provision operates within business debt budget targets
• Evaluate and anticipate existing customers account performance with respect to authorising or rejecting decisions.

Skills and Requirements

• Significant commercial collections and SAP dunning experience or educated to Degree level
• Good Knowledge of industry Domestic and Commercial debt and collections processes
• Working Knowledge of Domestic and Commercial sales processes
• Experience of credit management/risk activities or membership of the Institute of Credit
• Management or similar body or equivalent experience.
• Customer management skills
• Experience of leading change with SAP and business implementation management
• Business case financial and cost modelling development
• Strong customer focus
• Analytical thinking
• Ability to work in a complex environment and will constantly rely on creativity to resolve challenges.
• Strong networking skills with a proven ability to communicate effectively at all levels within organisation.
• Ability to implement and maintain quality assurance processes

MinimumCriteria

• Knowledge of collections activities
• Graduate or equivalent experience with a proven track record in people management and change management
• Well-developed influencing and negotiation skills the ability to communicate and influence at all levels in the organisation
• Ability to prioritise workloads while focussing on quality and delivery to agreed timelines
• Good knowledge of process improvement tools techniques and a proven ability to recommend and help deliver business improvement change plans using these

Other Information

Closing Date:6th May 2026

HiringManager:Mark Fawcitt

Inclusion diversity and a social purpose are at the heart of everything we do. Together with our values they bring us together into a stronger more sustainable business with direct links to the communities we serve. It takes all kinds of people to build a large-scale business like ours so whatever your backgroundyoullfit right in.

ScottishPower is committed to providing reasonable support or adjustments in our recruiting processes for candidates with disabilities long term conditions mental health conditions or who are neurodivergent or require pregnancy-related support. If you need support please reach out to.

For information onpay increases for promotionalmovespleasereview thePromotions PolicyPromotions policy

For lateral moves your salary will remain thesame unlessyour currentsalary is below the pay scale for the new position.

Refer-A-Friend Scheme:

Dontforget if you refer a friend to ScottishPower through ourand they are successfully appointed tothisrole youmay be eligible toreceive a reward payment of 1000

Mobility

Please note that any applicant who is not a citizen of the country of the vacancy will be subject to compliance with the applicable immigration requirements to legally work in that country. If/when required the Company will support the employee with the necessary Immigration requirements.

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