Credit Analyst

EG Group; Horwich; Hybrid; GBP 28,000 - 42,000; Full time

Benefits offered by this job

Hybrid working

Discretionary bonus

Annual leave

Cycle to work

Maternity/paternity leave

Free on-site parking

Job summary

Cumberland Farms is seeking a Credit Analyst to join our Transaction Shared Service Centre in the UK. You will support the Credit Manager and Credit Control team, driving cash collection and minimising credit risk while contributing to key performance targets.

The role covers credit risk management, account monitoring, debt collection and reporting, with opportunities to contribute to continuous improvement projects and build relationships with internal stakeholders and customers.

Qualifications

• Previous experience in Credit Control or credit risk management.
• Strong Excel and analytical capabilities with financial data.
• Excellent attention to detail and accuracy; able to communicate clearly.
• Ability to manage priorities and work independently within a team.

Responsibilities

• Monitor new customer accounts, set and review credit limits and required security.
• Proactively chase outstanding debt and maintain records of collections.
• Review aged debt, identify high-risk accounts, escalate issues as needed.
• Maintain security records and update ERP systems.
• Assist with queries and liaise with internal teams and customers.
• Prepare monthly trade debtor reconciliations, bad debt provisions and reporting.
• Support Credit Management projects and cover for team leaders when required.

Skills

Credit risk management

Excel

Analytical skills

Communication skills

ERP systems

Tools

SAP

Job description

Cumberland Farms is looking for a Credit Analyst to join our Transaction Shared Service Centre. You will support the Credit Manager and Credit Control team, while also working closely with the wider Accounts Receivable function to maximise cash collection, minimise credit risk and support the delivery of key performance targets.

The role will cover credit risk management, account monitoring, debt collection and reporting, with opportunities to contribute to continuous improvement and Credit Management projects. You will also build effective relationships with internal stakeholders and customers, providing a proactive and professional approach to credit control.

Why Join Cumberland Farms?

• Discretionary performance-based bonus scheme
• Grow your career – gain accredited qualifications, apprenticeships, and progression opportunities within a global organisation
• Hybrid working – up to 2 days per week (dependent on role and business needs)
• Salary Sacrifice Schemes – Cycle to Work and Car Scheme available
• Enhanced Maternity & Paternity leave
• Generous annual leave entitlement
• Annual leave buy back scheme – purchase up to 5 additional days
• Discounted gym membership – stay healthy and save on fitness costs
• One paid volunteering day per year
• Wellbeing facilities – space to relax and recharge
• Free secure on-site parking
• Dress Down Fridays
• Free VDU eye test

What you’ll be doing:

• Monitor new customer account set-up, including setting and reviewing credit limits and assessing required security.
• Manage a portfolio of customer accounts, proactively chasing outstanding debt and maintaining accurate records of collections and payment promises.
• Review and analyse aged debt, identifying high-risk accounts and escalating issues where required.
• Maintain security records and ensure relevant information is accurately updated within ERP systems.
• Support the resolution and escalation of customer queries, working closely with internal teams and customers.
• Prepare monthly trade debtor reconciliations, bad debt provisions and bad debt reporting.
• Initiate legal action against debtors where required and support the Credit Management team with relevant projects.
• Provide support and cover for Credit Control Team Leaders when required.

This list is not exhaustive and may be added to or amended from time to time.

What we’re looking for:

• Previous experience working within Credit Control, with a good understanding of credit risk management.
• Strong Excel and analytical skills, with the ability to review financial information and identify areas requiring action.
• Excellent attention to detail and a high level of accuracy.
• Confident communication skills, with the ability to adapt your approach to different audiences.
• Experience using accounting or ERP systems; SAP experience would be advantageous.
• A proactive and organised approach, with good time management and the ability to manage competing priorities.
• Ability to work independently while contributing effectively as part of a wider team.
• Good interpersonal skills, with the confidence to build effective relationships with customers and internal stakeholders.

Who is Cumberland Farms?

Cumberland Farms has a proud heritage dating back to 1939 and today is part of a global retail organization serving customers and communities across multiple markets including the U.S., U.K., Germany and Benelux. With operations spanning convenience retail, foodservice, fuel, and other retail formats, our business is supported by a broad network of stores, sites, distribution operations, and support teams.

As our global organization transitions under the Cumberland Farms brand, our businesses, including those historically operating as EG Group, are coming together with shared values, capabilities, and a commitment to delivering exceptional experiences for our customers and colleagues.

Together, we are building on the strength and heritage of our businesses while creating a more connected global organization with a clear strategic direction and a continued focus on supporting our customers, colleagues, and communities across all the markets we serve.

Please note - the successful applicant will be subject to a DBS check which will be funded by Cumberland Farms.