Credit Risk Analyst - Hybrid, Bonus & Growth Path

EG Group; Bolton; Hybrid; GBP 33,000 - 40,000; Full time

Benefits offered by this job

Discretionary bonus

Hybrid work

Cycle to Work

Car Scheme

Enhanced Maternity & Paternity leave

Generous annual leave

Annual leave buy back

Discounted gym membership

Volunteer day

Wellbeing facilities

Free on-site parking

Dress Down Fridays

Free VDU eye test

Job summary

EG Group is seeking a Credit Risk Analyst to join Cumberland Farms' Transaction Shared Service Centre. You will assess customer creditworthiness, manage exposure and limits, handle credit insurance and guarantees, and translate financial data into clear risk decisions that protect the business while supporting growth.

You’ll work with the Credit Manager, Accounts Receivable teams and internal stakeholders, with hybrid working up to 2 days per week.

Qualifications

• Experience in credit risk analysis and managing exposure and credit limits.
• Experience managing trade credit insurance and/or guarantees and security.
• Strong financial-analysis skills, confident reviewing financial statements and credit data to inform decisions.
• Strong Excel and analytical ability, with excellent attention to detail.
• Experience with accounting or ERP systems (SAP advantageous).
• Confident communicator who can build effective relationships and adapt to different audiences.
• Proactive, organised, and able to manage competing priorities independently and as part of a team.

Responsibilities

• Assess the creditworthiness of new and existing customers using financial-statement analysis, credit-bureau data and payment performance.
• Set, review and manage customer credit limits and monitor credit exposure across the portfolio.
• Manage the trade credit insurance programme (limit applications, cover and claims), and obtain and manage guarantees and security as required.
• Review and analyse aged debt, identify high-risk accounts and drive proactive action to mitigate loss.
• Prepare monthly trade-debtor reconciliations, bad-debt provisions and risk reporting for management.
• Maintain accurate credit, security and exposure records within ERP systems.
• Support debt recovery and legal action against debtors where required.
• Contribute to continuous improvement and wider Credit Management projects.
• Provide support and cover across the Credit Control team when needed.

Tools

SAP

Job description

EG Group is seeking a Credit Risk Analyst to join Cumberland Farms' Transaction Shared Service Centre. You will assess customer creditworthiness, manage exposure and limits, handle credit insurance and guarantees, and translate financial data into clear risk decisions that protect the business while supporting growth.

You’ll work with the Credit Manager, Accounts Receivable teams and internal stakeholders, with hybrid working up to 2 days per week.