Credit Risk Account Manager

Credit Risk Account Manager

Wrexham or Glasgow

Salary from 47200 - 59000 per annum

Permanent

Hybrid working

Help us create a better future quicker

The job is focussed on providing expert support to the Customer Business collections function particularly credit reference agencies for consumer and business customers.

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

Youll have expertise regarding improving 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 affordability and consumer data purchase is in line with business requirements regulations and budgets within the ScottishPower Customer Business.

Whatyoullbe doing

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 and debt risk policies.

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 debt provision operates within business debt budget targets

Evaluate and anticipate existing customers account performance with respect to authorising or rejecting decisions.

Whatyoullbring

Skills and Requirements

Commercial collections and dunning experience or educated to Degree level

Good Knowledge of Domestic and Commercial debt risk 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 driving change systems 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

Whatsin it for you

As well as a competitive salary which is reviewed annually you can also enjoya number ofother benefits. With our pension schemewelldouble match your contribution up to a company contribution of 10%.

At ScottishPower we believeitsthelittle thingswe do in life that makea big difference. From helping you look after your familys wellbeing save for your future andtake personal steps for climate action our benefits are designed to help you do just that- sothat you have everything you need to take care of your world today and our benefits include:

36 days annual leave

HolidayPurchase perfect your work/life balance with extra annual leave

Share Schemes

PayrollGiving andCharityMatchedFunding

Technology Vouchers save more and spread the cost of your technology purchases

Electric Vehicle Schemes to help you transition to green/clean driving

Cycle to Work scheme andPublicTransportSeasonTicketLoans

Healthcare benefit optionsincluding:DentalInsurancePrivateMedicalInsuranceHealthCashPlanand annualHealthAssessments

Life Assurance (4x salary)

Access toSavesmartfinancial wellbeing support

Plusshopping leisure restaurant and gym discounts and unique employee deals on travel insurance and more

Why ScottishPower

ScottishPower is part of the Iberdrola Group one of the worlds largest integrated utility companies and a world leader in wind energy. With a commitment to generateall ofour energy from renewable resources and a drive to create the energy infrastructure of the futurewereat the forefront of the journey to Net Zero and investing over 6m every working day to make this happen. With diverse opportunities across our businesses and a commitment to invest in our own internal talent ScottishPower can offer people real career opportunities that meet personal and professional goals in a global organisation.

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.

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.

IMPORTANT

Advert will close at 23:59 GMT the day before Job Posting End Date below