Role Summary

The Credit & Operations Director is a key member of the senior management team, responsible for leading and optimising the credit, collections, compliance, and administrative functions within the Business Unit. This role plays a pivotal part in defining and delivering the BU's credit strategy, driving operational efficiency, and ensuring regulatory and policy compliance - all while contributing to the overall profitability and performance of the organisation.

Key Responsibilities Strategic Leadership & Credit Oversight

• Develop and implement the credit strategy for the Business Unit in line with business goals.

• Set and monitor credit and operational KPIs, providing leadership across departments to meet performance targets.

• Identify underperformance and lead corrective action planning with senior stakeholders.

• Drive continuous improvement initiatives using lean methodologies and best practice.

Governance & Compliance

• Ensure full compliance with Group credit policies, AML, PEP requirements, and local regulations.

• Maintain strong internal control environments and risk management procedures.

• Lead all governance and compliance reporting for credit and operational functions.

Operational Excellence

• Lead and develop the credit & operations team, fostering a high-performance culture and succession planning.

• Oversee administrative functions including reporting, systems, and process development.

• Embed KPI dashboards and tools to improve data visibility and decision-making.

• Deliver accurate, timely reporting in alignment with Group and Business Unit timelines.

Cross-Functional Collaboration

• Work closely with Commercial Operations, Legal, Central Credit Organisation, and external advisors.

• Provide strategic input to Business Plans and Market Plans.

• Hold monthly performance reviews and support internal stakeholders with insight and recommendations.

Candidate Profile Essential Skills & Experience

• Minimum 5 years' experience in credit and collections within the business finance or financial services sector.

• Proven senior leadership experience, ideally with P&L accountability and cross-functional management exposure.

• Strong knowledge of applicable contract law and compliance regulations.

• Experience implementing credit and operational strategies with measurable impact.

• Fluent English

Education & Qualifications

• Degree or equivalent in Finance, Business, Law, or related discipline.

• Advanced knowledge of credit risk management, collections processes, and operational reporting.

• Familiarity with modern credit management systems and reporting tools.

Desirable

• Experience managing large, multi-functional teams.

• Additional languages beneficial.

Key Competencies

• Strategic thinker with strong commercial awareness.

• Clear and persuasive communicator with excellent stakeholder engagement skills.

• Highly organised, analytical, and solution-oriented.

• Strong leadership presence with the ability to coach, challenge and inspire teams.