Head of Credit Management

12 Feb 2019

Seeking a Head of Credit Management role for Ireland's largest mobile phone provider

Head of Credit Management

Role Purpose

As Ireland's leading total communications company, we need to ensure that we have a best in class efficient, effective credit management and cash collection function.

About the role

The Head of Credit Management will have overall / end to end responsibility for the strategy, policy and procedures relating to cash collection, customer scoring and credit assessment - and for executing on these policies and procedures.

Key metrics will relate to cash collection, age and health of the debtors ledger, customer satisfaction, cost, bad debt & involuntary churn

About you

You will have the management skills to lead, coach and motivate a team, as well as the confidence to make strong, customer decisions based on a combination of data, insight, experience and accepted risk profiles.

With real passion and understanding for continuous process improvement you'll successfully spot new opportunities to optimise our credit assessment within acceptable risk profiles and to maximise our cash position, whilst still matching that to an extraordinary customer experience

Key Responsibilities/Accountabilities


Develop & execute key credit & collections strategies & processes to ensure achievement of all debt & retention targets

Position the area to provide valuable insights & recommendations to the business relating to customer propositions to in order to increase profitability, reduce risk & drive customer centricity

Ongoing review of model, including input to future direction and shape of organisation


Operationally manage, drive and ensure achievement of all key targets and KPIs per below.

Drive performance of our collection partners through monitoring their success rate versus targets & benchmark performance against other agencies

Agree & report on KPI & key insights that accurately represent the full debt picture to the business - key metrics will relate to cash collection, age and health of the debtors ledger, customer satisfaction, cost, bad debt & involuntary churn

Produce monthly credit management dashboard showing performance against targets and remedial actions to address underperforming areas

Champion customer centric collections to maximise customer retention

Lead & motivate the credit management team to achieve all targets while ensuring people satisfaction in the area is reaching the benchmark agreed

Align with Finance to forecast the bad debt provision in the budget utilising all relevant inputs including the market place & the economy


Ensure that the business is enabled with the necessary processes & systems for the assessment of credit risk on services/ products offered to customers/ applicants

Input into the capability roadmap to support effective credit assessment & collections and drive the relevant projects to ensure that any system or resource required to deliver on targets are in place

Lead innovation within the credit management area ensuring continuous process improvements to further increase effectiveness & efficiency into the future

Work closely with local organisations and other OpCos to ensure we are utilising all possible opportunities to improve our results and stay ahead of the curve


Engage in cross functional working with the relevant stakeholders relating to credit, risk, customer experience, cash flow & compliance

Develop customer behaviour insights to support the business in proposition development & drive these through the change process

Ensure compliance with Internal Control Audit & Corporate Governance policies aswell as any Group initiatives

Qualifications & Experience

  • Ten years of experience in Credit Management or previous management experience in a similar role
  • 3rd level qualification
  • The successful candidate must possess strong communication skills, both written and verbal and needs to be very comfortable interacting with all levels of the organization from front-line employees through Senior Executives.
  • Commercial outlook and strong change management experience.
  • Strong experience in process design.
  • Results driven and customer focused.
  • Commercial - Understands the value of profitable customers
  • Strong management experience of motivating and developing a team
  • Strong experience of managing 3rd party vendors to support achievement of goals

Morgan McKinley is acting as an Employment Agency in relation to this vacancy.

Please note that any references to salary or pay rates in this advertisement and in the salary refinement section are indicative only and should only be used as a guide.

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