Head of Credit Uk

**Heard of us?** We’re an ambitious, forward-thinking global business who build transformative solutions for our customers to deliver best-in-class sustainable **mobility**, **connectivity,** and **technology** solutions. We support our customers with a range of products and services to meet their needs. Since 1990 our ambition has never wavered. From humble beginnings, our vision and drive has seen us venture into new markets with confidence and stay ahead of market trends. Our mission is to help businesses of all sizes adapt to the future and take advantage of the opportunities that change brings. Sustainability is at the core of our offering. With our leading e-mobility solutions, we’re committed to guiding businesses through the energy transition, building solutions for a more sustainable, connected future. This is where you come in. We are on a journey of growth. We pride ourselves on being at the forefront of technology innovation and we invite you along on this journey. **The role ** Due to ongoing growth, Radius Payment Solutions is looking for a new Head of Credit to manage all aspects of credit services for the core UK & Ireland Fuel businesses. Reporting to the Credit Director, this is a key new role within the Group’s centralised Credit department. The Credit Department is responsible for full end-to-end credit risk management across all our trading divisions in c15 countries worldwide, with c£750m of credit lines supporting our business customers. The UK and Ireland Fuel businesses operate their own branded fuel card solutions (UK Fuels and Diesel Card Ireland respectively) to over 130,000 businesses customers across both markets. You will be a key member of the Credit Leadership Team (CLT), and expected to lead by example, working collaboratively with CLT peers to deliver against Credit and Group strategic goals. This role will suit a Credit professional with an entrepreneurial and commercial mindset, capable of rolling-up their sleeves, driving change and building new capability within a rapidly growing global Group. The pace of growth and diversification of the Group’s products and services, along with its global footprint, provides significant opportunity for this individual to add real value and take their career forwards, fast. **What would your day to day look like?** - Responsible for managing credit risk and delivering credit services to the UK and Ireland Fuel businesses, within the Group credit appetite and policy - Responsible for the delivery of the fuel bad debt budget for both UK and Irish markets through overseeing the management of the: - UK Collections team, - Ireland Collections team and - UK & Ireland Debt Recovery team The UK Collections team is based in Crewe and currently consists of a Credit Manager leading two sub teams - an 11 strong team dealing with telephone based collection of DD defaults and a 4 strong team managing the ledger and the manual paying customers. The Ireland collections team is based in our Galway office, and are responsible for all collections of DD and manual paying customers on the Northern Irish and Eire ledgers. The team of 7 run is by a Credit Manager. Direct line management of 3 Credit Managers and a team of approximately 30 people The UK & Ireland Debt Recovery team is our in-house legal recovery team based in Crewe and consists of a Credit Manager and 6 officers. It has responsibility for recovering debts due from debtors generally >30 days post default, with work referred from both UK and Ireland Collections teams. Outstanding debts are chased through the telephone-based team before legal avenues are followed when required, including registering CCJs and statutory demands, as well as working with external solicitors on larger debts. In addition to fuel debt, this team also recovers all UK and Ireland customer debts from across our non-fuel divisions (Telematics, Telecoms, Velos Charge Card, Vehicle Leasing and Insurance). **What do we expect of you?** - Credit Management, legal or accountancy qualification - Working within and managing a Credit function within a B2B environment - Team leadership credentials and a proven track record of leading teams to achieve outstanding results within a Credit Collections and Recoveries (accounts receivable) function - Full understanding of sales ledger management - Working knowledge of the UK & Ireland legal framework and banking system - Experience working with credit insurance would be beneficial - Forecast management and bad debt provisioning - Experience of working within a regulated environment is desirable but not essential **What can you expect of us?** We have plans to double in size over the next 5 years, and our technology function will be one of the driving forces behind that. - A friendly culture that mirrors our proposition to our customers. - A fast-growing organisation that defines itself as being agile and innovative - A drive for continuous improvement, which