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For Companies 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, generous leave, and clear career growth paths.
- 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.
- Other info: Be part of a diverse team that values inclusion and innovation.
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 Mansfield employer: Trainline
Contact Detail:
Trainline Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk Specialist in Mansfield
✨Tip Number 1
Get to know Trainline inside out! Familiarise yourself with our diverse revenue streams and billing structures. This will help you tailor your approach during interviews and show that you're genuinely interested in how we operate.
✨Tip Number 2
Network like a pro! Connect with current Trainliners on LinkedIn or at industry events. Building relationships can give you insider insights and might even lead to a referral, which is always a bonus!
✨Tip Number 3
Prepare for those tricky interview questions! Brush up on your credit risk management principles and be ready to discuss how you've tackled challenges in the past. We love analytical thinkers who can problem-solve on the spot.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, it shows you’re keen on joining our team and being part of our mission to make travel better.
We think you need these skills to ace Credit Risk Specialist in Mansfield
Some tips for your application 🫡
Know Your Stuff: Before you start writing, make sure you understand the role of a Credit Risk Specialist. Dive into the job description and highlight the key skills and experiences that align with what we’re looking for. This will help you tailor your application to show us you’re the perfect fit!
Be Specific: When detailing your experience, don’t just list your previous jobs. Use specific examples that showcase your credit risk management skills and how you've contributed to financial health in past roles. We love seeing real-life applications of your skills!
Show Your Analytical Side: Since this role involves a lot of data-driven decision-making, make sure to highlight your analytical skills. Mention any tools or methods you’ve used to assess creditworthiness or manage debt. We want to see how you think and solve problems!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets to us quickly and efficiently. Plus, it shows us you’re keen on joining our team at Trainline!
How to prepare for a job interview at Trainline
✨Know Your Numbers
As a Credit Risk Specialist, you'll need to demonstrate your understanding of credit risk management principles. Brush up on key metrics and financial controls relevant to Trainline's diverse revenue streams. Be ready to discuss how you would tailor credit risk processes to align with their business growth objectives.
✨Showcase Your Analytical Skills
Prepare to highlight your analytical and problem-solving skills during the interview. Bring examples of how you've used data-driven reporting in previous roles, especially in managing credit exposure and collections. This will show that you can contribute to scalable and compliant credit policies.
✨Collaboration is Key
Trainline values teamwork across various departments. Be prepared to discuss your experience working cross-functionally with teams like Finance, Commercial, and Product. Share specific examples of how you've acted as a trusted advisor in contract discussions or improved processes through collaboration.
✨Emphasise Continuous Improvement
Trainline is all about fostering continuous improvement. Think of ways you've championed automation or process enhancements in your past roles. Discuss how you can bring this proactive, data-led approach to credit management at Trainline, ensuring that you align with their values of thinking big and doing good.