Credit Risk Analyst: Impact & Growth

EG Group; Horwich; Remote; GBP 30,000 - 37,000; Full time

Benefits offered by this job

Discretionary bonus

Hybrid working - up to 2 days fromhome

Cycle to Work

Car Scheme

Enhanced parental leave

Generous annual leave

Annual leave buy back

Gym membership discount

Volunteering day

Wellbeing facilities

Free on-site parking

Dress Down Fridays

Free VDU eye test

Job summary

EG Group, through Cumberland Farms, is seeking a Credit Risk Analyst to join our Transaction Shared Service Centre in Horwich. You will assess creditworthiness, manage exposure and limits, and handle credit insurance and guarantees to protect the business while enabling growth.

You’ll work with the Credit Manager and AR colleagues, building strong relationships with internal stakeholders and customers. A hybrid approach and progression opportunities are offered.

Qualifications

• Genuine experience in credit risk analysis across a trade-debtor portfolio.
• Experience managing trade credit insurance, guarantees and security.
• Strong financial analysis with ability to review statements and data.
• Proficient Excel skills and attention to detail; able to communicate clearly.

Responsibilities

• Assess creditworthiness of new and existing customers using financial data and credit data.
• Set and monitor customer credit limits and overall exposure across the portfolio.
• Manage trade credit insurance; handle limits, cover and claims; obtain guarantees as required.
• Review aged debt, identify high-risk accounts, and drive proactive loss mitigation.
• Prepare reconciliations, bad-debt provisions and risk reporting for management.
• Maintain credit and exposure records in ERP systems; support debt recovery as needed.
• Contribute to continuous improvement and Credit Management projects.
• Provide cover for Credit Control team when needed.

Skills

Credit risk analysis

Trade credit insurance

Excel

Communication

Tools

SAP

Job description

EG Group, through Cumberland Farms, is seeking a Credit Risk Analyst to join our Transaction Shared Service Centre in Horwich. You will assess creditworthiness, manage exposure and limits, and handle credit insurance and guarantees to protect the business while enabling growth.

You’ll work with the Credit Manager and AR colleagues, building strong relationships with internal stakeholders and customers. A hybrid approach and progression opportunities are offered.