Front End Risk Account Manager

Front End Risk Account Manager

Chester / Hybrid

£34,000

37.5 hours a week (Monday – Friday)

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Accelerate your career with a company that leads the way

Overview

NextGear Capital, part of Cox Automotive Group is a dynamic vehicle funding business committed to delivering innovative solutions to our clients. We leverage advanced third-party systems to streamline operations and enhance customer experiences. 

Why Join Us & What's In It For You?

As a Cox Automotive team member, you'll have access to a wide range of benefits, including exclusive discounts, cashback offers and our brilliant peer to peer recognition scheme.  And there's even more to enjoy: 

• Option to buy additional holiday days
• Your birthday off every year - paid
• One annual Well-Being Day for you to relax and recharge
• One paid Charity Day to give back and support a cause that matters to you
• Opportunities for career progression across the Cox Automotive network
• Competitive pension scheme

About The Role

The Front-End Risk Account Manager (FRAM) plays a key role within the Risk Management team and operates from the NextGear Capital Head Office in a hybrid capacity. Focused on proactive risk mitigation, the FRAM drives results through three core areas:

1. insightful risk analysis,
2. effective negotiation and collections activity, and
3. coaching, mentoring, and re-education.

In this dynamic role, FRAMs work closely with dealers and partner directly with Field Operations to ensure strong risk controls and successful outcomes across the business.

What You'll Be Doing

• Lead timely and effective collection efforts:

Manage non-default accounts assigned when a dealer cannot resolve a critical performance issue. Continuously assess account "health" and make informed decisions to protect NextGear Capital's investment. Based on detailed account analysis, determine whether to take a passive collection approach, implement and manage workout plans, or terminate the relationship—including coordinating the disposition of floored inventory. Strong judgment, objectivity, and prioritisation are essential. All actions should drive toward resolution or, if necessary, escalation to default.

• Manage the Non-Default Portfolio:

Act as a risk analyst by reviewing and identifying exposure across the NextGear Capital market portfolios. Collaborate with field personnel to recommend and guide the appropriate course of action on non-default dealer accounts. Develop tailored plans ranging from simple follow-up to direct negotiation and/or collateral recovery.

• Provide Training and Mentoring:

Support dealer recovery by re-educating those with critical performance failures, ensuring they return to compliant performance standards. Mentor field staff by sharing insight on risk indicators and advising on appropriate responses and actions.

• Support wider business needs:

Undertake additional tasks and responsibilities as required by the company to support overall business objectives.

What We're Looking For

• Previous experience with the SBS Financing Platform (WFS) is preferred.
• Strong ability to conduct direct dealer collections within an assigned portfolio.
• Capability to coach and influence dealers toward improved account performance and desired behaviours.
• Experience collaborating with Field Operations to identify, monitor, and resolve non-default accounts.
• Ability to support Field Operations in reducing delinquency and minimising write-off percentages.
• Skilled in providing clear, objective analysis and insight into at-risk accounts and their progression.
• Competence in generating accurate weekly and monthly reports for designated territories.
• Flexibility to perform additional duties as required to support business needs.

We're Committed to Inclusion

We are proud to be an inclusive and equal opportunity employer. We celebrate diversity in all its forms.  We are a place where you can be you.

Ready To Join Our Team & Make A Difference? 
Apply now and drive your career forward with one of the automotive industry's most trusted names. 

STRICTLY NO AGENCIES PLEASE
We kindly ask that agencies do not contact us regarding this vacancy.  We work with a carefully selected and trusted group of recruitment partners.  We do not accept unsolicited CVs sent to the recruitment team or directly to a hiring manager. We will not be responsible for any fees related to unsolicited submissions.

Who we are

Cox Automotive is the world's largest automotive service organisation. We
provide dependable solutions that improve performance and profitability
throughout the vehicle lifecycle to manufacturers, fleets, and retailers.
Our businesses are organised around our customers' core needs across vehicle
solutions, mobility, remarketing, funding, and retail.

The Benefits

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Testimonials

Aneliese Platts
Senior Designer

"The people that work here are what sets Cox Automotive apart. We genuinely work as a team, and I feel the same level of support everywhere in the business. Working here is like a family away from home, but most importantly we have fun whilst doing it"

Ann Fairbanks
Executive PA & Business Support

"I wouldn't be where I am today without Cox Automotive. The company has real culture of learning, pushing the boundaries and making YOU better. It's all built on strong values that are more than just words, they're acted on every single day."

Gemma Hepple
National Operations Manager

"In my nine years here, Cox Automotive has allowed me to learn, grow and hone my skills. There's a real commitment to inclusion and diversity and today I am proud to be in what was historically perceived to be a 'man's' role."

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