As our Credit & Risk Manager, you’ll protect the cooperative’s financial position while supporting its commercial objectives and Member relationships. You’ll take a hands-on lead in credit assessment, portfolio monitoring, governance and debt recovery, working closely with Procurement, Membership, Credit Control and Finance.
· Lead end-to-end credit assessments and due diligence for prospective and existing Members, analysing financial statements, cash flow, trading performance and credit history to recommend credit limits, payment terms and onboarding decisions.
· Monitor Member credit exposure and emerging risks, reviewing limits and recommending proportionate action on payment terms, security or monitoring within AF’s risk appetite and delegated authority.
· Own credit policies, procedures and approval processes, ensuring decisions and supporting records are accurate, consistent and ready for external audit.
· Report on overdue debt, exposure, limit utilisation and concentration risk, providing clear recommendations to the Financial Controller, senior management and the Group’s Audit and Risk Committee.
· Develop management information and dashboards in NetSuite/Harrier, and improve credit processes, controls, systems and reporting.
· Lead recovery strategies for aged and high-risk debt, liaising with solicitors, recovery agencies and advisers and supporting UK small claims proceedings where appropriate. Escalate potentially unrecoverable balances and recommend provisions or write-offs in line with governance requirements.
· Work with Procurement, Sales Ledger and Membership to resolve disputes, address the causes of overdue debt and improve collection performance.
You’ll bring significant experience in credit management, credit risk, commercial finance or a related role. With strong commercial judgement and analytical skills, you’ll confidently challenge decisions, balance risk with commercial objectives and explain difficult credit decisions to senior and non-financial colleagues. Alongside this you will have;
· Proven experience analysing financial statements, cash flow, trading performance and credit information to assess creditworthiness.
· Experience managing Member credit exposure and emerging risks, including credit limits, payment terms, collections and escalation processes.
· A strong understanding of credit assessment, financial analysis and commercial risk management, plus knowledge of UK debt recovery and small claims court procedures.
· Previous experience leading a team and a coaching-based style that motivates and develops others.
· Excellent communication, organisation, time-management and prioritisation skills, with confidence using digital platforms, including Microsoft Office.
· A proactive, resilient and methodical approach, taking ownership of your work and team outcomes and showing initiative in resolving challenges together.
· Experience in risk management, credit control, NetSuite or the agricultural industry would be advantageous.
We believe in recognising the great work our people do and creating an environment where everyone can thrive, including offering:
· Salary: Up to £50,000 per annum, depending on experience
· 8% employer pension contribution
· 26 days holiday per annum, plus bank holidays. This rises with each years’ service by an additional day, up to 4 extra days
· Have your birthday off as an extra days holiday, if it falls on your working day
· Free lunch daily from our onsite Café
· AF Membership (giving discounts at hundreds of retailers and suppliers)
· Life assurance (2 x salary)
· Private Health Insurance (available as an optional employee‑paid benefit)
· Discounted gym membership
· Cycle to work scheme
· Salary Sacrifice car scheme
· Hybrid working (1 day working from home per week)
· Free onsite parking