At a Glance
- Tasks: Manage credit risk and debt control while collaborating with diverse teams.
- Company: Join Trainline, Europe's top rail app, committed to sustainable travel.
- Benefits: Enjoy private healthcare, flexible work options, and career growth opportunities.
- Other info: Be part of a diverse team that values inclusion and innovation.
- Why this job: Make a real impact on financial health in a fast-paced environment.
- Qualifications: 2+ years in credit control or risk management with strong analytical skills.
The predicted salary is between 36000 - 60000 £ per year.
About us
We are champions of rail, inspired to build a greener, more sustainable future of travel. Trainline enables millions of travellers to find and book the best value tickets across carriers, fares, and journey options through our highly rated mobile app, website, and B2B partner channels. Great journeys start with Trainline. Now Europe’s number 1 downloaded rail app, with over 125 million monthly visits and £5.9 billion in annual ticket sales, we collaborate with 270+ rail and coach companies in over 40 countries. We want to create a world where travel is as simple, seamless, eco-friendly and affordable as it should be. Today, we’re a FTSE 250 company driven by our incredible team of over 1,000 Trainliners from 50+ nationalities, based across London, Paris, Barcelona, Milan, Edinburgh and Madrid. With our focus on growth in the UK and Europe, now is the perfect time to join us on this high-speed journey.
As our business continues to grow across multiple markets and revenue streams, we’re looking for a Credit Risk Specialist to help shape and strengthen our credit risk and debt control framework. You’ll play a key role in safeguarding Trainline’s financial health — balancing smart risk management with commercial agility. Working collaboratively with Finance, Commercial, Product, and Data teams, you’ll help us optimise working capital, protect revenue, and enable sustainable growth. This is an exciting opportunity for someone who loves combining analytical thinking with practical problem-solving in a fast-paced, high-growth environment.
What you’ll be doing
- Credit Risk & Strategy
- Build a deep understanding of Trainline’s diverse revenue streams and billing structures, tailoring credit risk processes accordingly.
- Partner with Finance, Commercial, and Product teams to align credit practices with business growth objectives.
- Assess and monitor client creditworthiness — from established partners to new markets and revenue channels.
- Develop and maintain credit risk dashboards and exposure analyses to support data-led decisions.
- Identify, assess, and communicate potential credit risks, recommending proactive mitigations.
- Contribute to scalable, compliant, and commercially aligned credit policies.
- Debt Management & Operational Excellence
- Manage B2B and B2C partnership accounts across multiple currencies, ensuring timely billing and cash collection.
- Own aged debt reporting, reconciliations, and exposure analysis, driving visibility and accountability.
- Lead on complex or high-value client accounts, using commercial insight to resolve issues.
- Champion automation and process improvement within the Finance Transformation programme.
- Balance customer experience with strong financial control in all debt management activities.
- Collaboration & Continuous Improvement
- Work cross-functionally with Commercial, Product, Customer Service, and Data teams to strengthen the end-to-end revenue-to-cash process.
- Act as a trusted advisor in contract and pricing discussions to ensure risk-aware decision-making.
- Help refine billing and revenue processes for greater transparency and scalability.
- Share knowledge and foster continuous improvement within the Credit and Finance team.
What we’re looking for
- 2+ years’ experience in credit control, credit risk, or accounts receivable in a complex, multi-currency business.
- Strong grasp of credit risk management principles and financial controls.
- Proven ability to manage credit exposure and collections across varied revenue models.
- Excellent analytical and problem-solving skills, with strong attention to detail.
- Proficiency in Excel and confidence with data-driven reporting.
- Strong communicator who can build trust and influence across teams.
- Solid understanding of accounting and month-end processes.
What success looks like
- Credit risk effectively managed across all revenue streams.
- Cash collection and credit performance that enable business growth.
- Improved visibility and automation across credit processes.
- Strong collaboration between Finance and commercial teams.
- A proactive, data-led approach to credit management embedded in everything we do.
More information: Enjoy fantastic perks like private healthcare & dental insurance, a generous work from abroad policy, 2-for-1 share purchase plans, an EV Scheme to further reduce carbon emissions, extra festive time off, and excellent family-friendly benefits. We prioritise career growth with clear career paths, transparent pay bands, personal learning budgets, and regular learning days. Jump on board and supercharge your career from day one.
Our values represent the things that matter most to us and what we live and breathe every day, in everything we do: Think Big - We’re building the future of rail; Own It - We focus on every customer, partner and journey; Travel Together - We’re one team; Do Good - We make a positive impact.
We know that having a diverse team makes us better and helps us succeed. And we mean all forms of diversity - gender, ethnicity, sexuality, disability, nationality and diversity of thought. That’s why we’re committed to creating inclusive places to work, where everyone belongs and differences are valued and celebrated.
Interested in finding out more about what it’s like to work at Trainline? Why not check us out on LinkedIn, Instagram and Glassdoor.
Credit Risk Specialist in Falkirk employer: Trainline
Trainline is an exceptional employer that champions a culture of collaboration and innovation, making it an ideal place for a Credit Risk Specialist to thrive. With a commitment to employee growth through clear career paths, personal learning budgets, and a diverse work environment, we offer fantastic benefits including private healthcare, generous leave policies, and a focus on sustainability. Join us in our London office and be part of a dynamic team dedicated to transforming travel into a seamless and eco-friendly experience.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk Specialist in Falkirk
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like Trainline. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Credit Risk Specialist in Falkirk
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Trainline.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Trainline's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Trainline
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Trainline.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at Trainline will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former Trainline employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
