Credit Risk Analyst

Culina; Worcester; On-site; GBP 30,000 - 45,000; Full time

Job summary

A leading logistics company in the UK seeks an individual to manage customer and credit master data, assess credit risk, and support the collections team. The successful candidate will demonstrate flexibility, effective communication skills, and proficiency in Excel and data analysis. Benefits include competitive annual leave, a pension scheme, life assurance, and wellness programs. Join a dynamic environment contributing to a significant supply chain management service throughout the UK and Ireland.

Benefits

Competitive holiday entitlement

Pension scheme (4% each)

Life Assurance (x2 salary)

Employee Assistance Programme

Eye Care Vouchers

Employee Recognition Awards

Retailer discounts

Qualifications

• Clear communication to senior stakeholders and customers
• Ability to present to colleagues and management
• Good literacy and numeracy skills with a willingness to learn

Responsibilities

• Maintain complex customer and credit master data in S/4HANA
• Identify and link shared customers for a single customer view
• Assess credit risk for new/existing customers
• Manage credit insurance for relevant entities
• Conduct periodic credit reviews
• Produce and monitor debt analysis
• Support analysts with non-standard processes
• Demonstrate flexibility in transitioning between sub-teams
• Proactively seek opportunities for process improvements

Skills

Communication skills

Data analysis

Flexibility

Excel

Basic PowerPoint presentation skills

Literacy and numeracy

Problem-solving

Tools

S/4HANA

SAP (ECC6)

Outlook

Word

Job description

Responsibilities

• Maintain complex customer and credit master data in S/4HANA (e.g., customer IDs, billing addresses, VAT IDs, payment terms, credit limits, risk categories)
• Identify and link shared customers for a single customer view
• Assess credit risk for new/existing customers and set group-level credit limits (sign off in accordance with the GO policy)
• Manage credit insurance for relevant entities
• Conduct periodic credit reviews, consolidating shared customer exposure across entities
• Produce and monitor debt analysis for the Collections Team and work closely with them, entity FDs, and commercial teams on focus areas
• Clear communication to senior stakeholders and customers in a confident manner
• Ability to present to superiors as well as non‑AR colleagues (IT Helpdesk, Wider Business)
• Use previous experience & judgement when responding to customers and internal escalations professionally and promptly
• Share any learning and support peers, specifically working with collections, billing, customer services, transport and commercial to resolve issues
• Support analysts with non‑standard processes or escalations
• Demonstrate flexibility in transitioning between sub‑teams as needed
• Proactively seek the opportunity for new and existing process improvements and review those suggested by others, leading implementation where appropriate
• Take appropriate corrective action and identify and recommend solutions to any errors or mistakes
• Working knowledge of Excel and ability to perform basic data analysis (Pivot, Filter, VLOOKUP)
• Working knowledge of Outlook and Word, ability to produce basic PowerPoint presentations
• Working knowledge of SAP (ECC6 or S/4) or equivalent ERP system preferred but not required
• Good literacy and numeracy skills with a willingness to learn and improve mindset

Nice to Have

Working knowledge of credit limits and risk categories and how they function in an ERP

Company Overview

Culina Group is a market‑leading ambient and chilled food and drink third‑party logistics specialist. We provide warehouse and distribution alongside fresh, food manufacturing, co‑packing and bonded divisions, working in partnership with some of the biggest household names in the food and drink sector. With over 20 million square feet of warehousing spread across 100+ depots, we employ in excess of 22,000 people to ensure that our 2.2 million deliveries reach the correct location. Our extensive network enables us to provide a comprehensive supply chain management service covering the whole of the UK and Ireland.

Benefits

• Annual Leave – Competitive holiday entitlement of 24 days plus 8 bank holidays
• Pension scheme – we want colleagues to enjoy a comfortable retirement so we offer a great contribution of 4% employee and 4% employer
• Life Assurance – x 2 your annual salary
• Wellness – via our Employee Assistance Programme we offer immediate access to a confidential telephone counselling and legal information service that operates 24 hours a day, 365 days a year
• Eye Care Vouchers – We can provide you with substantial savings with free eye tests and discounts on prescription glasses
• Reward & Recognition – We recognise that employees have gone the extra mile via Employee of the month and year, special recognition and long service awards.
• Everyday discounts – via our benefit platform you will have access to over 50 retailer discounts for everyday savings!