Front End Risk Account Manager

NextGear Capital UK & Ireland; Chester; Hybrid; GBP 40,000 - 48,000; Full time

Benefits offered by this job

Extra holidays

Birthday off (paid)

Well-Being Day

Charity Day

Career progression

Job summary

NextGear Capital UK & Ireland, part of Cox Automotive, invites application for a Front-End Risk Account Manager in Chester. Hybrid role with 3 days in the office and 37.5 hours per week, focusing on proactive risk management, dealer support, and portfolio health within automotive finance.

The role balances relationship management with credit risk, and requires strong communication to influence stakeholders, plus experience with field-based teams and risk mitigation strategies.

Qualifications

• Experience in credit risk, portfolio management, commercial lending, asset finance or business to business account management.
• Experience working within automotive finance or a similar secured lending environment (would be advantageous).
• The ability to balance customer relationship management with credit risk and commercial decision making.
• Confident communicator with the ability to influence and coach stakeholders
• Experience working with field-based teams
• Experience in collections or arrears management is beneficial where it has been part of a broader credit or portfolio role (not essential)
• Organised with the ability to prioritise effectively
• Experience with SBS Financing Platform (WFS) is desirable

Responsibilities

• Support and guide dealers to improve performance and compliance
• Assess account health and take appropriate action to protect investment
• Collaborate with Field Operations on risk mitigation strategies
• Analyse portfolios to identify exposure and recommend actions
• Manage non-default accounts and lead effective collection strategies
• Develop and implement tailored recovery or workout plans
• Produce accurate weekly and monthly reports
• Support wider business objectives as required

Job description

Hybrid (3 days per week in our Chester office)

37.5 hours a week (Monday – Friday)

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Accelerate your career with a company that leads the way

Join NextGear Capital, part of Cox Automotive, a fast-paced and innovative vehicle funding business. This is a fantastic opportunity to step into a dynamic risk-focused role where you’ll influence outcomes, support dealers and protect business performance.

Why Join Us & What’s In It For You?

As a Cox Automotive team member, you’ll have access to a wide range of benefits, including exclusive discounts, cashback offers and our brilliant peer to peer recognition scheme. And there’s even more to enjoy:

• Option to buy additional holiday days
• Your birthday off every year - paid
• One annual Well-Being Day for you to relax and recharge
• One paid Charity Day to give back and support a cause that matters to you
• Opportunities for career progression across the Cox Automotive network

About The Role

As a Front-End Risk Account Manager (FRAM), you’ll play a key role in proactive risk management, working closely with dealers and internal teams to drive performance and minimise risk.

This is not a traditional collections role, the position is focussed on proactive portfolio and risk management within a commercial automotive finance environment.

What You’ll Be Doing

• Support and guide dealers to improve performance and compliance
• Assess account health and take appropriate action to protect investment
• Collaborate with Field Operations on risk mitigation strategies
• Analyse portfolios to identify exposure and recommend actions
• Manage non-default accounts and lead effective collection strategies
• Develop and implement tailored recovery or workout plans
• Produce accurate weekly and monthly reports
• Support wider business objectives as required

What We’re Looking For

• Experience in credit risk, portfolio management, commercial lending, asset finance or business to business account management.
• Experience working within automotive finance or a similar secured lending environment (would be advantageous).
• The ability to balance customer relationship management with credit risk and commercial decision making.
• Confident communicator with the ability to influence and coach stakeholders
• Experience working with field-based teams
• Experience in collections or arrears management is beneficial where it has been part of a broader credit or portfolio role (not essential)
• Organised with the ability to prioritise effectively
• Experience with SBS Financing Platform (WFS) is desirable

We’re Committed to Inclusion

We are proud to be an inclusive and equal opportunity employer. We celebrate diversity in all its forms. We are a place where you can be you.