Credit Control Clerk in Cardiff

We are seeking a proactive, detail oriented, and commercially minded Credit & Collections Specialist to join the Finance team. The successful candidate will be responsible for managing the accounts receivable portfolio, minimising credit risk, improving cash flow, and building strong relationships with customers. This role requires close collaboration with Sales, Customer Success, Billing, and Finance teams to ensure timely collections while delivering an exceptional customer experience.

As a key member of the Finance department, you will play a critical role in supporting the company's financial health by ensuring outstanding invoices are collected efficiently, customer accounts remain accurate, and credit policies are consistently applied.

• Manage the end-to-end accounts receivable and credit control process for a portfolio of customers.
• Monitor customer accounts to ensure invoices are paid within agreed payment terms.
• Proactively contact customers via email and telephone to collect outstanding payments and resolve overdue balances.
• Build and maintain positive relationships with customers while ensuring prompt payment.
• Assess new customer credit applications and recommend appropriate credit limits based on financial risk.
• Review customer credit limits and payment performance regularly.
• Reconcile customer accounts and investigate payment discrepancies, deductions, and disputed invoices.
• Collaborate with Sales, Customer Success, Billing, and Operations teams to resolve billing issues that may delay payment.
• Negotiate payment plans and settlement arrangements where appropriate.
• Produce weekly and monthly aged receivables reports, collection forecasts, and KPI reports for management.
• Escalate high-risk accounts and recommend appropriate recovery actions.
• Support month-end and year-end financial close activities related to accounts receivable.
• Maintain accurate customer records within the ERP/Finance system.
• Ensure compliance with internal financial controls, company credit policies, and applicable regulations.
• Identify opportunities to improve credit control processes through automation and continuous improvement initiatives.

• Bachelor's degree in Accounting, Finance, Business Administration, or a related discipline.
• 3+ years of experience in Credit Control, Accounts Receivable, or Finance, preferably within a technology or SaaS environment.
• Experience managing B2B customer accounts and commercial collections.
• Strong understanding of credit management principles and financial risk assessment.
• Experience using ERP or accounting systems such as Microsoft Dynamics 365, NetSuite, SAP, Oracle, or similar platforms.
• Advanced proficiency in Microsoft Excel.
• Experience working with CRM systems such as Salesforce is an advantage.

• Excellent communication and relationship management skills.
• Strong negotiation and influencing abilities.
• Commercial awareness with a customer-focused approach.
• High level of accuracy and attention to detail.
• Strong analytical and problem-solving skills.
• Ability to prioritise workload and meet deadlines in a fast-paced environment.
• Professional, confident, and resilient when managing difficult conversations.
• Strong organisational and time management skills.
• Ability to work independently and collaboratively across departments.
• Continuous improvement mindset with an interest in leveraging technology and automation to improve financial processes.

• Days Sales Outstanding (DSO)
• Percentage of overdue debt
• Collection targets achieved
• Cash collection performance against forecast
• Reduction in aged debt (60/90/120+ days)
• Bad debt write-off percentage
• Dispute resolution turnaround time
• Accuracy of customer account reconciliations
• Customer satisfaction and responsiveness
• Compliance with internal controls and reporting deadline