CREDIT & RISK MANAGER

• Job Title: Credit & Risk Manager

• Department: Finance

• Reporting to: Financial Controller

• Location: Head Office, Wakefield

The Company

At Horizon Platforms we are proud to be a leading provider of Rental Solutions, Powered Access equipment sales and training.  Our customers work indoors at height, and require a fast, flexible, and safe service solution.  Established in 2008, Horizon has a passion for providing outstanding customer service and plans to significantly grow the business.  We genuinely value our people, so much so that in 2021 we took the decision to transition to employee ownership.  So today, Horizon doesn't just have employees, it has co-owners!  We are a down-to-earth organisation with an unwavering commitment towards being able to “Just Say Yes” to our customers’ requests.

Job Purpose

The Credit & Risk Manager is responsible for leading the credit control function, ensuring effective cash collection, active management of credit risk, and strong control over the sales ledger. The role provides visibility of cash performance, drives accountability across the team, and ensures that credit policies and processes protect the business while supporting growth.

Responsibilities

Leadership & Accountability

• Lead, manage, and develop the credit control team

• Set clear targets and performance expectations for the team

• Drive a culture of accountability, ownership, and delivery

• Actively manage and address underperformance

Cash Collection & Performance

• Own delivery of cash collection targets

• Ensure monthly targets are broken down into weekly and individual controller targets

• Work with the Senior Credit Controller to monitor daily / weekly performance and take corrective action where required

• Provide clear visibility of cash collected, forecast outturn, and risks

Reporting & Insight

• Own the cash collections scorecard, ensuring it is accurate, reconciled, and clearly understood

• Provide regular, reliable reporting to the Financial Controller and Finance Director

• Analyse trends in debtor days, aged debt, and cash performance

• Proactively Identify risks and opportunities and propose actions

Credit Risk Management

• Own and maintain the company credit policy

• Monitor credit exposure, uninsured debt, overtrading, and risk across the ledger

• Manage relationships with credit insurers and agencies

• Oversee credit limit setting, reviews, and approvals

• Final sign off for customer credit applications in accordance with the company credit policy

• Ensure appropriate escalation of high-risk accounts

Operational Oversight

• Ensure effective management of the sales ledger

• Support the Senior Credit Controller with dispute resolution and ensure timely resolution of queries

• Support the Senior Credit Controller to ensure accurate and timely allocation of cash is achieved

• Maintain strong controls over all credit processes

Process Improvement

• Identify and implement improvements in systems, reporting, and processes

• Drive automation and efficiency within the credit function

• Ensure reporting remains fit for purpose as the business grows

Experience

• CICM Level 3 qualified as a minimum

• At least 2 years’ experience in a credit control management position or similar

• Experience in credit control reporting

• Previous experience of managing relationships with credit insurers and agencies

• Previous experience of risk management desirable but not essential

Apply Now

If you like the sound of Horizon and know that you can meet our expectations, simply show us why we should consider you for this role by sending your cover letter and CV to beverley.rudd@horizonplatforms.co.uk.