Senior Credit & Collections Analyst - Finance

A bit about us
At Gamma we provide voice, data, and mobile solutions to businesses across the UK, Germany, Spain, and the Benelux region.

Our people are at the heart of everything we do. When you join us, you'll be part of a collaborative, forward-thinking team that's transforming how businesses connect and communicate globally.

We're growing fast, but we never lose sight of what matters: our people. Whether you're looking to develop your skills, take on new challenges, or make a meaningful impact, Gamma is the place to do it.

What is the role responsible for?

As the business continues to grow and prepares for new ownership, the Senior Credit & Collections Analyst will support the group's credit and collections function through credit risk analysis, debt management, cash forecasting and reporting. The role will improve visibility of customer risk and payment trends, support informed decision-making and identify opportunities to reduce manual workloads through technology and process improvement.

This newly created role offers a varied remit, cross-business collaboration and opportunities for professional development. It would suit a technologically confident individual who is keen to learn, brings an innovative and creative approach, and wants to make a meaningful contribution to the role and the wider business.

What will you be doing day-to-day?

• Here are a few examples of what you could be involved with:
• Maintain relationships and portfolios with credit reporting agencies, act on adverse information and share relevant updates.
• Perform credit checks and approvals for Enterprise customers.
• Work closely with Commercial to address credit risk within the wholesale business.
• Own ongoing credit risk monitoring across a portfolio of more than 10,000 accounts, incorporating risk ratings.
• Own and coordinate the cease process, ensuring all service ceases are completed in full. Follow up outstanding collections, credits and write-offs until the account is closed.
• Manage external collection agents for letters before action (LBA), legal cases and overseas debt recovery. Use the self-service LBA system and online portal to manage cases, and prepare case reports for management review before further legal action.
• Develop and maintain the Credit SharePoint page to support self-service access to information for the credit team and other departments.
• Prepare cash forecasts to support Group Treasury's monthly, quarterly and annual targets, and inform the allocation of team resources.
• Own credit reporting functions, includes large datasets to support monthly team planning and resource allocation.
• Support Simplicity bank management requirements.
• Support acquisitions and projects within the credit and collections function, ensuring risk information is shared across all Gamma-owned entities.

What you'll bring

• You don't need experience in everything listed-but we're especially keen to hear from people with some of the following skills:
• An accounting or credit qualification, such as AAT, ACCA, CIMA or CICM, or an interest in studying towards one, is desirable.
• Strong experience using Excel, SharePoint and Power BI, and managing large datasets, is essential.
• Experience in underwriting or credit analysis, including interpreting financial accounts and ratios.
• Strong problem-solving skills, patience when working with complex structures, and the ability to manage multiple tasks.
• Sound judgement and the ability to manage routine processes independently, seeking clarification when needed.
• A flexible approach and the ability to work effectively under pressure.
• Professional behaviours and a commitment to acting as a positive role model within the credit team.
• The ability to work and communicate effectively with internal and external stakeholders at all levels.
• A proactive, can-do attitude and a willingness to support the team wherever needed.

What do we offer you?

• 25 days annual leave + birthday

• Subsidised private medical insurance

• 5.1% matched pension contributions

• Enhanced parental leave

• Life assurance and Income protection

• Electric Vehicle and Cycle scheme

• Employee discounts

• Volunteer day

A few things to note

We require all candidates to be eligible to work in the UK and pass a basic DBS check.

If you don't meet every requirement but feel you could thrive in this role, we would still encourage you to apply.

Gamma is an equal-opportunity employer committed to building diverse, inclusive teams where everyone feels valued and can be their authentic selves. We welcome applicants from all backgrounds, especially those underrepresented in our industry. As a family-friendly employer, we foster a culture of trust, autonomy, and flexibility to support your work-life balance and help you thrive at Gamma.

For recruitment agencies - we have a network of fantastic partners that support us in our hiring from time to time. We're not looking to increase that network currently, so please don't send speculative CVs.