Job Title: Senior Credit Manager.
Location: Manchester (with occasional travel to UK branches).
Reporting to: Commercial Director.
Job Type/Salary:
- Permanent / Full time
- 37½hrs per week
- Monday to Friday
- £45k - £55k per annum (depending on experience)
About Pyramid Display Materials
Pyramid Display Materials is one of the UK’s leading distributors of display, graphics and signage materials. As part of Grimco, we continue to invest in our people, systems and commercial capability.
The Role
Pyramid Display Materials is seeking an experienced Senior Credit Manager to lead our customer accounts and credit function.
This role is responsible for protecting the business from financial risk while ensuring excellent customer service and strong working relationships. The successful candidate will lead our credit control team, manage customer credit risk, oversee credit insurance arrangements, maintain key banking relationships and support effective cashflow management across the business.
This is a hands-on leadership role requiring strong commercial judgement, excellent communication skills and the ability to balance customer relationships with sound risk management.
Key Responsibilities
Credit Management & Customer Risk:
- Lead the company’s credit management strategy.
- Review and approve customer credit limits.
- Assess creditworthiness of new and existing customers.
- Manage customer payment plans and account reviews.
- Minimise bad debt exposure while supporting profitable growth.
- Monitor customer financial performance and identify potential risks.
- Review Companies House, credit agency and market intelligence updates.
Credit Insurance:
- Manage relationships with credit insurers and brokers.
- Oversee credit insurance applications, reviews and claims.
- Ensure customer credit limits remain appropriate and protected.
- Support annual insurance renewals and due diligence requirements.
- Work closely with insurers regarding special arrangements and risk assessments.
Credit Control Leadership:
- Lead, develop and support the credit control team.
- Monitor aged debt and collection performance.
- Manage escalation of overdue and high-risk accounts.
- Ensure credit control processes are followed consistently.
- Drive continuous improvement in debt collection performance.
Cash and Banking Management:
- Support daily cashflow management activities.
- Maintain key banking relationships.
- Approve payments and banking administration activities.
- Assist with treasury and working capital management.
- Support implementation of banking and payment system improvements.
Customer Account Management:
- Oversee customer account maintenance and administration.
- Review payment terms and trading arrangements.
- Manage customer account changes and approvals.
- Maintain strong relationships with key customer finance contacts.
- Support resolution of account queries, disputes and payment issues.
Team Leadership:
- Lead and develop the customer accounts team.
- Approve holidays, timesheets and absence requests.
- Support training and development of team members.
- Ensure knowledge sharing and process documentation are maintained.
- Foster a positive and collaborative team culture.
Reporting and Commercial Support:
- Produce regular reports on aged debt, customer risk and cash performance.
- Identify trends and risks within the customer portfolio.
- Support branch managers and sales teams with customer credit decisions.
- Provide insight to the leadership team on customer risk and working capital performance.
- Assist with finance and operational improvement projects as required.
Skills & Experience
Essential:
- Experience managing a credit control or customer accounts function.
- Strong understanding of customer credit risk management.
- Experience leading and developing teams.
- Excellent communication and negotiation skills.
- Strong commercial awareness and decision-making ability.
- Experience working with credit insurers and credit agencies.
- Strong organisational and problem-solving skills.
Desirable:
- Experience within distribution, manufacturing or B2B environments.
- Experience managing banking relationships.
- Knowledge of credit insurance and bad debt claims processes.
- Experience of ERP or business management systems.
- Understanding of cashflow and working capital management.
What Success Looks Like
Within the first 12 months you will:
- Successfully take ownership of the customer accounts function.
- Maintain strong cash collection performance.
- Protect the business from unnecessary credit risk.
- Build strong relationships with customers, insurers and banking partners.
- Develop the capability of the customer accounts team.
- Improve process consistency and documentation.
- Ensure the business has robust, scalable credit management processes to support future growth.
Apply for this job:
If you would like to apply for this job, please contact us with your CV through the Indeed website and tell us why you would be a good fit for this role at Pyramid Display Materials.
Job Types: Full-time, Permanent
Pay: £45,000.00-£55,000.00 per year
Benefits:
- Company pension
- Free parking
- Health & wellbeing programme
- Life insurance
- On-site parking
- Paid volunteer time
Experience:
- Account management: 10 years (required)
Language:
Work authorisation:
- United Kingdom (required)
Work Location: In person
