Credit Risk and Debt Investigator

Overview Are you ready to take on a role where your investigative skills and financial insight can make a real impact? At Clear Business, we\’re looking for a Credit Risk and Debt Investigator to help us trace and recover high-risk accounts, resolve complex debt scenarios, and work closely with credit bureaus to protect our business and our customers.This role is pivotal in safeguarding Clear Business\’s financial health by proactively identifying and resolving complex debt scenarios. You\’ll play a key part in shaping our debt strategy, minimising risk exposure, and ensuring sustainable revenue recovery.Responsibilities Credit Risk & Bureau Liaison: Managing credit risk referrals and customer queries with Experian. Working with Credit Safe & Experian to resolve data discrepancies and support upfront credit checks. Monitoring changes in risk profile across high-value and good-paying accounts.Strategic Risk Assessment: Assessing financial risk on large tender bids for new or renewing high-value contracts. Making recommendations on litigation for high-risk accounts. Supporting the development of predictive indicators and debt segmentation models.Investigative & Recovery Work: Conducting deep-dive investigations into complex debt scenarios. Reviewing Companies House notifications (e.g., PTSO) and initiating internal actions. Tracing customers and missing information critical to recovery. Completing Land Registry checks to identify landlord details. Speaking directly with customers to determine the right recovery route. Leading or supporting tracing efforts for deregistered companies or accounts with missing data.Compliance & Process Improvement: Ensuring all activity meets regulatory, GDPR, and internal quality standards. Contributing to continuous improvement across the Debt Investigation team. Building strong relationships across Clear Business and developing expert knowledge of our systems and products.What Success In The Role Looks Like Completed customer traces that directly support recovery outcomes.Fewer delinquent accounts with unclear debt paths.Reduced financial exposure through proactive tender-risk reviews.Credit bureau queries resolved within SLA.Achievement of agreed objectives with improving KPIs.What You Need To Have Already Done To Be Right For This Role 2+ years in debt recovery, collections, or complex customer resolution, ideally B2B.Experience handling insolvency, PTSO cases, and tracing investigations.At least 12 months working with credit bureaus and understanding credit risk processes.Knowledge of B2B debt recovery regulations in England and Scotland.Utilities sector experience (preferred).Strong IT skills, including Microsoft Word, Excel, and PowerPoint.Qualifications CICM qualification (preferred).Our Story At Clear Business, we exist to make life easier for small businesses and more fulfilling for the people who work here. For over 20 years, we\’ve been one of the UK\’s leading providers of essential services, offering a unique one-stop solution across Phone, Broadband, Mobile, Water, Gas, Electricity, Payment Services and Insurance.Our journey has been shaped by innovation, customer focus and the passion of our colleagues. Along the way, we\’ve earned recognition including Investors in People, The Northern Contact Centre Awards, Learning at Work Week Awards and, most recently, the One to Watch award from Best Companies, a fantastic reflection of our culture and commitment to excellence.Your Core Benefits Pension contributions and life assurance coverage to support your future and protect what matters most.25 days\’ annual leave, increasing to 28 days with service.Your birthday off every year — because you deserve it.Flexibility to buy up to 10 extra holidays or sell up to 5 days annually.Exclusive discounts at popular high street and online retailers.Cycle to work scheme and travel loans for people wanting a greener commute.Access to LinkedIn Learning.Wellbeing & Support 24/7 access to a GP, mental health support and fitness programmes.Free legal and financial advice.A strong focus on wellbeing, supported by resources to help you feel your best.The Important Extras Hybrid working – up to three days a week from home.Charity fundraising and volunteering opportunities.Fantastic on-site facilities, including a free gym and free parking.A full-time, permanent contract (37.5 hours per week).No weekends and every bank holiday off.What Happens Next If you\’re ready for a new challenge with great benefits and a supportive, award-winning company, we\’d love to hear from you. Click \”Apply\” today and take the next step in your career with Clear Business.Across Clear Business, we\’re passionate about creating an inclusive team and celebrating our diversity. We want talented people with great skills and matching values to join our teams.All successful candidates will be subject to pre-employment checks. Please note: this vacancy may close early if we receive a high volume of suitable applications.

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