Credit & Risk Manager in Elland

At Marshalls, we believe building tomorrow's world starts with what we can create together today. Since the 1890s, we've grown from a Yorkshire stone business into a leading UK manufacturer of building, roofing and landscaping solutions. Every day, our colleagues help shape the homes, schools, hospitals, streets and infrastructure that communities across the UK rely on. We're proud of our heritage, excited by what's next and committed to creating opportunities for our colleagues to grow, develop and make a real difference.

We now have a new opportunity for a Credit & Risk Manager to lead our dynamic Credit Account Management function reporting in the Finance Director - Marshalls. This role ensures that customer credit limits, risk exposure, and invoice queries are actively managed to ensure liquidity management is well managed while supporting commercial teams through informed decision-making.

So, what’s the mission?

You will collaborate with key internal and external stakeholders to develop a deep understanding of the business, customer base, and trading environment, enabling informed credit and risk decisions that support growth while protecting the balance sheet. This role takes ownership of the accounts receivable ledger and credit risk framework, using sound judgement to manage exposure, set appropriate credit limits, and escalate risk where required.

You will lead and develop the Credit and Risk teams, providing clear direction, coaching and performance management to ensure delivery of departmental KPIs, including cash collection, DSO and risk management. To support cash collection, you will own and manage all customer invoice disputes across the business, ensuring timely resolution and improving the customer experience by monitoring invoice dispute volumes and trends with relevant stakeholders to promote a right-first-time culture. Forecasting cash collection, reporting performance, and providing insightful analysis that supports effective decision-making across the business are key aspects of the role.

Alongside this, continuous improvement across Credit and Risk processes, with a focus on standardisation, automation and simplification, ensuring efficiency and scalability of operations. You will manage relationships with our credit broker, data providers and external partners, ensuring appropriate coverage is in place and claims are effectively managed. This includes developing and maintaining robust risk management strategies, policies and controls, ensuring risks are identified, assessed, monitored and communicated in a timely and effective manner. You will take ownership of legal escalations where required, ensuring appropriate action is taken to recover debt while balancing commercial considerations. Finally, you will sponsor a strong risk-aware culture across the organisation, providing guidance, challenge and support to stakeholders to ensure informed and balanced decisions are made.

What skills are required?

• Proven experience managing credit and/or risk functions within a complex business environment
• Strong leadership and people management skills
• Excellent analytical and organisational abilities with advanced Excel skills
• Strong commercial awareness and ability to balance risk with growth
• Excellent communication and stakeholder management skills
• Ability to influence and challenge decisions using data and sound judgement
• Experience in credit insurance, risk assessment, and legal collections processes
• High attention to detail with ability to work under pressure and prioritise effectively

Benefits

• Hybrid working with 2 days a week in our Head Office in Elland
• Guaranteed Christmas holidays
• Development opportunities
• 34 days per annum or the equivalent in hours (inclusive of bank holidays)
• Health care cash plan – support with Dental, Optical, Prescription costs and many more!
• Enhanced Maternity, Paternity, and Adoption pay and leave
• 5% employer-matched pension scheme
• Cycle to work scheme
• Employee discount on products
• Retailer discounts
• Marshalls Wellbeing Centre – move, money & mind
• Share purchase scheme
• Life assurance

Our operations are organised into three distinct divisions: Landscape Products, Building Products, and Roofing Products. Marshalls Landscape Products stands out as the leading UK manufacturer of high-quality natural stone and innovative concrete hard landscaping products. We cater to the construction, home improvement, and landscape markets, offering superior solutions. Marshalls Building Products serves as a reliable supplier of concrete drainage products, concrete bricks, ready-to-use mortars, and aggregates. Marley Roofing Products is recognised as a leader in the manufacturing and supply of pitched roofing systems. Our product range includes clay and concrete tiles, timber battens, roof-integrated solar solutions, and various roofing accessories. Although divisional, we work as one Marshalls team.

We're particularly proud to have paved every location on the Monopoly Board! To find out more about Marshalls please visit our website.

Equal Opportunities

Whoever you are and whatever your background, you’ll find a fair and supportive workplace. You’re unique and we want you to bring every part of who you are to work, every day. We’re committed to ensuring equal opportunities for everyone. To us, this is more than a legal, moral, or ethical necessity – it’s the right thing to do! We want our team to reflect the diverse nature of society and the communities we serve. Marshalls is a workplace where you’re valued for the contribution you make, and where you can grow and develop by being entirely yourself!