Credit Officer

Job Description

As a Credit Officer, you’ll process new customer applications, gathering the key information we need to make sound, well-informed credit decisions. You’ll manage your own underwriting to credit standards and service levels, and help the wider Credit team manage bad debt. The role is open whether you’re starting your credit career or looking for your next challenge. Done well, decisions are fast and well judged, and bad debt stays under control.

Each day you’ll underwrite new applications against your KPIs, including decisions per day and final decisions within one to two days, and keep accurate records of every case. You’ll escalate accounts when needed, manage Account Managers’ expectations and look for ways to improve systems and processes. You’ll take part in team meetings and projects and work across departments. You’ll be based in our Crewe office.

Your daily responsibilities will be...

• Application processing: Process new applications, gathering the information needed to make sound credit decisions.
• KPIs: Deliver your agreed KPIs, including decisions per day, final decisions within one to two days and the number of pended applications.
• Underwriting standards: Underwrite to credit standards and department service levels.
• Records: Keep accurate and complete records of every case you underwrite.
• Escalation: Escalate accounts and issues as required and manage Account Managers’ expectations.
• Bad debt: Help the Credit department manage bad debt through detailed underwriting and risk assessment.
• Improvement: Spot ways to improve systems and processes for risk, approval rate or productivity, and share ideas across the team.

Qualifications

Essential:

• Educated to degree level with a minimum 2:2 (Lower Second Class Honours).
• Can gather information, weigh it up and reach a clear decision.
• Can prioritise and manage their own workload against daily targets.
• Checks details carefully.
• Communicates clearly with colleagues at all levels.

Desirable:

• Has worked in a credit or risk role.
• Has worked to daily productivity or service-level targets.

Additional Information

• A friendly culture that mirrors our proposition to our customers.  
• A fast-growing organisation that defines itself as being agile and innovative 
• A drive for continuous improvement, which you will be empowered to get behind from day one.  
• A commitment to building a working environment that values inclusivity, innovation, agility, and drive. 

And of course, you will be compensated competitively, with a good range of core benefits and bonus potential.   

#LI-JW1

Diversity, Equality & Inclusion at Radius

Our global DEI networks champion LGBTQ+ inclusion, cultural diversity, women’s empowerment and mental health, neurodiversity and disability support.

We also offer:

• Global Female Health Policy & Female Health Champions
• Pregnancy Loss and Fertility Treatment Policies
• Endometriosis Friendly Employer (UK)
• Women-focused gym & female health events
• Mental Health First Aiders
• Disability Confident Committed Employer (Level 2)
• Race at Work Charter signatory
• Proud sponsor of Crewe Pride (5 years running) and Cheshire Pride Awards Corporate Supporter 2025
• Community network driving charity and volunteering initiatives, with 8 consecutive years of participation in the UK Challenge.
• Give as you earn scheme (payroll giving) and match funding

Next Steps

If you feel we are a good match for each other, you can apply online now!

If you’d like to understand more about the role or life at Radius before applying, then please contact our talent team directly.

Radius is an equal opportunities employer. We are committed to welcome people regardless of age, disability, gender identity, race, faith or belief, sexual orientation or socioeconomic background.

We are committed to ensuring an inclusive and accessible recruitment process for all candidates. If you require any adjustments or accommodations at any stage of the process, please let us know, and we will do our best to support you.

We reserve the right to close a vacancy before the closing date in the event of an overwhelming response or a change in business priorities.

Note to recruitment agencies:

We do not accept speculative recruitment agency CVs or profiles. Any unsolicited CV received by Radius will be treated as a gift and not eligible for an agency fee.

PSL agencies should only send CVs via our Applicant Tracking System, when approved to do so by the Radius Talent Team.

Compensation: N/A to 26000 (GBP) (YEARLY)