The Team Leader for Credit and Risk will oversee the performance of the Credit Control team, ensuring timely and effective debt collection while managing customer accounts to minimise credit risk and reduce bad debts. You will take ownership for regularly reviewing the risk profiles of both existing and prospective customers, ensuring appropriate credit decisions are made. You will have the chance to work closely with both internal and external stakeholders to proactively address challenges, escalate issues where necessary, and continuously drive process improvements and efficiencies across the function.Your role will involve (External Candidates) Leading and motivating the Credit and Risk team of four Team Members, which includes overseeing day-to-day operations and ensuring a high standard of performance and accountability, as well as being responsible for performance management and developing the team. Driving efficiency and continuous improvement, ensuring key performance indicators (KPIs) are consistently met or exceeded. Conducting daily credit risk assessments, making informed decisions to safeguard the business from financial exposure. Overseeing debt management, forecasts and recovery processes, ensuring timely and effective collection of outstanding balances. Whilst also collaborating with stakeholders across the business, ensuring alignment on credit control policies and resolving any operational challenges.Monitor and report on key financial metrics, including Day