Senior Credit Risk Analyst

Culina; Willenhall; On-site; GBP 40,000 - 50,000; Full time

Job summary

A leading logistics company located in Willenhall is seeking a Senior Credit Risk Analyst to manage complex customer and credit master data and assess credit risk. Your role will involve supporting analysts, communication with stakeholders, and ensuring effective query resolution. This position offers a competitive benefits package including annual leave and a pension scheme.

Benefits

Competitive holiday entitlement

Pension scheme

Life Assurance

Wellness programme

Eye Care Vouchers

Employee Recognition

Retailer discounts

Qualifications

• Ability to perform basic data analysis (e.g., Pivot, Filter, VLOOKUP).
• Willingness to learn and improve mindset.
• Working knowledge of ERP systems preferred, but not required.

Responsibilities

• Maintain complex customer and credit master data in S/4HANA.
• Assess credit risk for new/existing customers.
• Conduct periodic credit reviews.

Skills

Excel proficiency

Data analysis

SAP knowledge

Good literacy

Communication skills

Tools

SAP

PowerPoint

Job description

Culina group are a market leading ambient and chilled food & drink 3PL specialist, providing 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.

Job Description

As a Senior Credit Risk Analyst focusing on the more complex accounts, you will maintain both the customer and credit master data in SAP ensuring that financial risk is managed through accurate and timely updates thus minimising the level of potential bad debt across the organisation. You will play a key role in coaching and guiding the credit risk analysts through non‑standard processes and escalations to ensure an effective outcome. You will always provide an excellent level of customer service to both your internal and external stakeholders offering clear and accurate communication throughout the query resolution process.

Key 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, setting 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; work closely with them, entity FDs, 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 (e.g. 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 as well as review those suggested by others and lead implementation where appropriate
• Take appropriate corrective action and identify, recommend solutions to any errors or mistakes

Qualifications

• Working knowledge of Excel and the ability to perform basic data analysis (e.g. 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 to be demonstrated 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

Additional Information

As part of our drive to make Culina Group a great place to work, we are proud to be an inclusive and diverse organisation where we are committed to employee development and recognising success for hard‑working performers.

Our dedicated learning and development programmes are open to every employee to give you the opportunity to shape your own future within logistics and continue to work in an environment where team culture thrives.

• Annual Leave – Competitive holiday entitlement of 24 days plus 8 bank holidays
• Pension scheme – 4 % employee and 4 % employer contribution for a comfortable retirement
• Life Assurance – two times 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 – substantial savings with free eye tests and discounts on prescription glasses
• Reward & Recognition – Employee of the month and year, special recognition and long service awards
• Everyday discounts – access to over 50 retailer discounts through our benefit platform

If you meet the requirements for the above role and are looking for your next career opportunity please apply now and become a part of our #WinningTeam!

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