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For Companies At a Glance
- Tasks: Manage credit risk, conduct investigations, and support debt recovery efforts.
- Company: Join a dynamic team at Clear Business focused on inclusivity and diversity.
- Benefits: Enjoy 25 days annual leave, flexible working, and exclusive retail discounts.
- Other info: Hybrid working, free gym access, and a strong focus on wellbeing.
- Why this job: Make a real impact in financial recovery while developing your skills.
- Qualifications: 2+ years in debt recovery and experience with credit bureaus required.
The predicted salary is between 30000 - 40000 £ per year.
What We Want You To Do
- 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.
Qualifications and Experience
- 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).
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.
- 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.
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.
Credit Risk and Debt Investigator employer: Verastar
Contact Detail:
Verastar Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Credit Risk and Debt Investigator
✨Tip Number 1
Network like a pro! Reach out to people in the industry, attend events, and connect on LinkedIn. You never know who might have the inside scoop on job openings or can put in a good word for you.
✨Tip Number 2
Prepare for interviews by researching the company and role thoroughly. Understand their values and how your skills align with their needs. Practise common interview questions and have examples ready that showcase your experience in debt recovery and credit risk.
✨Tip Number 3
Follow up after interviews! A quick thank-you email can go a long way in showing your enthusiasm for the role. It also keeps you fresh in the interviewer's mind as they make their decision.
✨Tip Number 4
Don’t forget to apply through our website! We love seeing applications directly from candidates who are genuinely interested in joining our team. Plus, it gives you a better chance of standing out!
We think you need these skills to ace Credit Risk and Debt Investigator
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Credit Risk and Debt Investigator role. Highlight your experience in debt recovery, collections, and any work with credit bureaus. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about this role and how your background makes you a perfect fit. Don’t forget to mention any relevant qualifications like CICM if you have them!
Showcase Your IT Skills: Since strong IT skills are essential, make sure to mention your proficiency in Microsoft Word, Excel, and PowerPoint. If you've used these tools in previous roles, give us some examples of how they helped you succeed.
Apply Through Our Website: We encourage you to apply through our website for a smoother application process. It’s the best way for us to receive your application and ensures you don’t miss out on any important updates!
How to prepare for a job interview at Verastar
✨Know Your Credit Risk Basics
Before the interview, brush up on your knowledge of credit risk processes and debt recovery regulations in England and Scotland. Familiarise yourself with terms related to credit bureaus like Experian and Credit Safe, as well as the specific responsibilities of the role. This will show that you’re not just interested but also knowledgeable about the field.
✨Prepare for Scenario Questions
Expect to be asked about how you would handle specific situations, such as resolving data discrepancies or conducting investigations into complex debt scenarios. Think of examples from your past experience where you successfully navigated similar challenges, and be ready to discuss your thought process and outcomes.
✨Showcase Your IT Skills
Since strong IT skills are essential for this role, be prepared to discuss your proficiency with Microsoft Word, Excel, and PowerPoint. You might even want to mention any specific projects where you used these tools effectively, especially in relation to data analysis or reporting.
✨Demonstrate Your Relationship-Building Skills
Building strong relationships is key in this role, so think about how you can convey your ability to collaborate with others. Prepare examples of how you've worked with teams or clients in the past, particularly in a B2B context, and highlight any successful outcomes that resulted from those collaborations.