Credit Risk Account Manager

The job is focused on providing expert support to the Customer Business collections function, particularly credit reference agencies for consumer and business customers. You’ll articulate business ideas, suggestions and problems in business and system terms and develop business cases to convert them into deliverable solutions. You’ll have expertise regarding improving business processes and support day-to-day operations to ensure that the business solution performs effectively.

The role involves coordinating and promoting the Sales Risk Policies for ScottishPower Customer Business. You'll facilitate the provision of data sharing with external credit and data agencies. You’ll be working with departments across the business and with third parties to ensure affordability and consumer data purchase is in line with business requirements, regulations and budgets within the ScottishPower Customer Business.

What you’ll be doing

• Policies
  • Create, maintain and implement the credit risk policies and procedures to the business to ensure debt and collections and operational effectiveness is maintained at a high standard.
  • Ensuring policies comply with current utility industry and other regulations, and liaison with the Data Protection Officer and Legal team.
  • Provide intra departmental guidance and advice as a business risk expert concerning customer behaviour, portfolio stability and debt risk policies.
• Credit Risk
  • Develop comprehensive requirements or specifications that will identify, control and manage the use of credit reference agencies and data agencies.
  • Develop comprehensive requirements or specifications that will identify, control and manage the use of data sharing of customer information in line with regulatory and data protection best practices.
  • Develop comprehensive requirements or specifications that will identify, control and manage the use of purchased data to improve the collections and data quality of the business.
  • Identify interdependencies and highlight / identify gaps in existing functionality and frame this problem in business and SAP terms.
• Projects & Business Improvement
  • Identify Credit Risk process and systems development project opportunities and manage the full project lifecycle utilising appropriate project management tools and techniques.
• Controls
  • Identify suitable tools and reports for use/development required to monitor the effectiveness of the risk policies.
  • Monitor and report on departmental adherence to policies across the business with relation to specific KPI’s and challenge inferior performance.
• Referrals
  • Manage the internal credit risk referrals process to assist in ensuring debt provision operates within business debt budget targets.
  • Evaluate and anticipate existing customers account performance with respect to authorising or rejecting decisions.

What you’ll bring

• Commercial, collections and dunning experience, or educated to Degree level.
• Good Knowledge of Domestic and Commercial debt, risk and collections processes.
• Working Knowledge of Domestic and Commercial sales processes.
• Experience of credit management/risk activities or membership of the Institute of Credit Management or similar body, or equivalent experience.
• Customer management skills.
• Experience of driving change systems and business implementation management.
• Business case, financial and cost modelling development.
• Strong customer focus.
• Analytical thinking.
• Ability to work in a complex environment and will constantly rely on creativity to resolve challenges.
• Strong networking skills with a proven ability to communicate effectively at all levels within the organisation.
• Ability to implement and maintain quality assurance processes.

Minimum Criteria

• Knowledge of collections activities.
• Graduate or equivalent experience with a proven track record in people management and change management.
• Well-developed influencing and negotiation skills, the ability to communicate and influence at all levels in the organisation.
• Ability to prioritise workloads while focusing on quality and delivery to agreed timelines.
• Good knowledge of process improvement tools, techniques and a proven ability to recommend and help deliver business improvement change plans using these.

What’s in it for you

As well as a competitive salary which is reviewed annually, you can also enjoy a number of other benefits. With our pension scheme, we’ll double match your contribution up to a company contribution of 10%. At ScottishPower, we believe it’s the little things we do in life that make a big difference. From helping you look after your family’s wellbeing, save for your future and take personal steps for climate action – our benefits are designed to help you do just that - so that you have everything you need to take care of your world – today and tomorrow.

• 36 days annual leave.
• Holiday Purchase – perfect your work/life balance with extra annual leave.
• Share Schemes.
• Payroll Giving and Charity Matched Funding.
• Technology Vouchers – save more and spread the cost of your technology purchases.
• Electric Vehicle Schemes – to help you transition to green/clean driving.
• Cycle to Work scheme and Public Transport Season Ticket Loans.
• Healthcare benefit options including: Dental Insurance, Private Medical Insurance, Health Cash Plan and annual Health Assessments.
• Life Assurance (4x salary).
• Access to Savesmart financial wellbeing support.
• Plus shopping, leisure, restaurant and gym discounts, and unique employee deals on travel insurance and more.

Why ScottishPower

ScottishPower is part of the Iberdrola Group, one of the world’s largest integrated utility companies and a world leader in wind energy. With a commitment to generate all of our energy from renewable resources and a drive to create the energy infrastructure of the future, we’re at the forefront of the journey to Net Zero and investing over £6m every working day to make this happen. With diverse opportunities across our businesses and a commitment to invest in our own internal talent, ScottishPower can offer people real career opportunities that meet personal and professional goals, in a global organisation.

Inclusion, diversity, and a social purpose are at the heart of everything we do. Together with our values, they bring us together into a stronger, more sustainable business with direct links to the communities we serve. It takes all kinds of people to build a large-scale business like ours, so whatever your background, you’ll fit right in.

ScottishPower is committed to providing reasonable support or adjustments in our recruiting processes for candidates with disabilities, long term conditions, mental health conditions, or who are neurodivergent or require pregnancy-related support. If you need support, please reach out to careers@scottishpower.com.

Mobility

Please note that any applicant who is not a citizen of the country of the vacancy will be subject to compliance with the applicable immigration requirements to legally work in that country. If/when required, the Company will support the employee with the necessary Immigration requirements.

IMPORTANT

Advert will close at 23:59 GMT the day before Job Posting End Date below July-1-2026.