At a Glance
- Tasks: Manage credit risk and conduct investigations to support debt recovery.
- Company: Join a dynamic team at Clear Business, focused on inclusivity and innovation.
- Benefits: Enjoy 25 days annual leave, flexible working, and exclusive discounts.
- Other info: Hybrid working options and fantastic on-site facilities await you.
- 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 in Manchester employer: Verastar
At Clear Business, we pride ourselves on being an exceptional employer, offering a supportive and inclusive work culture that prioritises employee wellbeing and growth. With benefits such as flexible working arrangements, generous annual leave, and access to professional development resources like LinkedIn Learning, we empower our team members to thrive both personally and professionally. Located in a vibrant area with fantastic on-site facilities, including a free gym and parking, we are committed to fostering a dynamic environment where every employee can make a meaningful impact.
StudySmarter Expert Advice🤫
We think this is how you could land Credit Risk and Debt Investigator in Manchester
✨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. This will help you stand out and show that you're genuinely interested.
✨Tip Number 3
Practice your pitch! Be ready to explain your experience and how it relates to credit risk and debt investigation. Keep it concise but impactful – you want to leave a lasting impression.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen. Plus, we love seeing candidates who are proactive about joining our team.
We think you need these skills to ace Credit Risk and Debt Investigator in Manchester
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, credit risk processes, and any relevant qualifications like CICM. 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 your experience with credit bureaus and any specific achievements in debt recovery.
Showcase Your IT Skills:Since strong IT skills are essential for this position, make sure to highlight your proficiency in Microsoft Word, Excel, and PowerPoint. If you've used these tools in previous roles to improve processes or outcomes, let us know!
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 from our team!
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 the role of credit bureaus like Experian and Credit Safe. Be ready to discuss how you've handled similar situations in the past, especially any experience with debt recovery or complex customer resolutions.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that assess your investigative skills and decision-making abilities. Think of specific examples where you successfully traced customers or resolved discrepancies, and be prepared to explain your thought process and the outcomes.
✨Showcase Your IT Skills
Since strong IT skills are essential for this role, be ready to discuss your proficiency with Microsoft Word, Excel, and PowerPoint. Consider preparing a brief example of how you've used these tools to improve processes or analyse data in previous roles.
✨Demonstrate Your Compliance Knowledge
Familiarise yourself with GDPR and other relevant regulations. During the interview, highlight your understanding of compliance standards and how you've ensured adherence in your past work, particularly in debt recovery or investigations.
