Credit Risk Team Leader - HEINEKEN

The HEINEKEN Company; City of Edinburgh; Hybrid; GBP 35,000 - 42,000; Full time

Job summary

A leading beverage company in Edinburgh is seeking a Credit Risk Team Leader to oversee a team and manage credit risk in pub operations. This role requires hands-on leadership to ensure effective credit decisions while partnering with various stakeholders. Ideal candidates will have experience in credit risk or a similar field, strong judgment, and the ability to build relationships. The position offers a hybrid working model with a competitive salary and benefits.

Benefits

Full benefits package

Unique development opportunities

Flexible working arrangements

Qualifications

• Experience in credit risk, underwriting, financial assessment or a similar environment.
• Experience managing people or readiness for a leadership role.
• Familiarity with hospitality, commercial property, FMCG or B2B credit is beneficial.

Responsibilities

• Lead and develop the Credit Risk Controllers team.
• Own onboarding credit assessments and AML/KYC checks.
• Make evidence-based credit decisions and escalate as necessary.
• Oversee customer off-boarding, including exit statements and balance recovery.
• Identify risks and opportunities to improve processes.
• Collaborate with stakeholders for balanced outcomes.

Skills

Judgement

Attention to detail

Data communication

Stakeholder relationship building

Education

Chartered Institute of Credit Management (CICM) qualification

Job description

Credit Risk Team Leader

Function: Finance

Location: Edinburgh (St Andrews Sq) – hybrid with a mix of office & home working

Salary: £35,000 - £42,000 base depending on experience, plus full benefits listed below.

Contract: Permanent

Closing Date: 4th January 2026

As the nation’s leading pub, cider and beer company and the name behind a host of brilliant brands, we’re looking for equally brilliant people to help us on our journey to building a better future.

About the role

This is a hands‑on leadership role where you’ll lead a small team of three Credit Risk Controllers, sitting at the centre of how we manage credit risk across Pub Operator onboarding and off‑boarding for Star Pubs.

Reporting into the Senior Credit Risk Manager, you’ll take ownership of credit decisions within delegated authority, applying sound judgement and providing constructive challenge where needed. You’ll work closely with Pubs Operations, Legal and Property to balance customer experience with commercial risk, while ensuring strong governance and consistency.

Alongside the day‑to‑day, you’ll help shape how we work, supporting process improvements and preparing the team for Star Pubs’ ERP migration in 2026.

What you’ll be doing

• Leading, coaching and developing the Credit Risk Controllers
• Owning onboarding credit assessments and AML/KYC checks
• Making evidence‑based credit decisions and escalating where appropriate
• Overseeing customer off‑boarding, including exit statements and balance recovery
• Identifying risks, inefficiencies and opportunities to improve processes
• Partnering with stakeholders across the business to land fair, balanced outcomes

Who we’re looking for

You don’t need a formal finance qualification for this role, a Chartered Institute of Credit Management (CICM) qualification would be a bonus, but what matters more is your judgement, attention to detail and confidence in making and standing by decisions.

You’ll have experience in credit risk, underwriting, financial assessment or a similar environment, and you’ll either be managing people already or ready to step into a leadership role. You’re comfortable working with data, communicating clearly, and building strong relationships with stakeholders.

Experience in hospitality, commercial property, FMCG or B2B credit would be useful, as would exposure to AML/KYC or credit governance, but these aren’t essential.

We embrace learning and growth, and there is plenty of scope to develop in this role. You’re also likely to bring experiences that are not listed above – these are welcome, but a core understanding of stakeholder communications is important.

Our Ways of Working

Heineken’s Global Purpose is to “brew the Joy of True Togetherness to inspire a better world” and to fulfil this we believe in working closely with each other and collaborating f2f when we can. To enable this, we ask colleagues to be in the office on Tuesdays and Thursdays and one other day of the colleague’s choice.

The application

If you like what you’ve read and are ready to brew a better career with us, let’s get going! We may close vacancies early where we receive lots of applications, so don’t delay!

If you need any adjustments made to support your application, for example if you require information in different formats, or if you have any accessibility issues, then we’re more than happy to review our processes – please feel free to get in touch with us at [e-mail].

Who we are

We’re the world’s most international brewer and the name behind a host of brilliant beers and ciders, from Birra Moretti, to Strongbow, to Cruzcampo and many more.

It’s a fantastic time to join us. We’re leading the way in low and no alcohol innovation, pioneering new technologies to meet our ambitious environmental goals and investing in our pubs to keep them at the centre of their communities.

When you join us, we’ll back you to reach your full potential. You’ll enjoy unique development opportunities, unforgettable experiences and a reward package that goes far beyond the salary you receive.

For more about life at HEINEKEN from our colleagues, head over to LinkedIn and check out the hashtag #LifeatHEINEKENUK.

There’s no better place to untap your future. Join us and brew a better career!