Role: Credit Risk Analyst
Location: Horwich, BL6 6JW
Contract: Full-Time Hours / Permanent

Salary: Up to £36,575

Company: EG Group

About the Role:

Cumberland Farms is looking for a Credit Risk Analyst to join our Transaction Shared Service Centre. This is a risk-focused role for someone who can genuinely assess and manage credit risk across a large, complex trade-debtor portfolio.

Working alongside the Credit Manager, you’ll own the assessment of customer creditworthiness, manage exposure and credit limits, handle credit insurance and guarantees, and turn financial information into clear decisions that protect the business while supporting commercial growth. You’ll also work closely with the wider Accounts Receivable function and build strong relationships with internal stakeholders and customers.

Why Join Cumberland Farms?

• Discretionary performance-based bonus scheme
• Grow your career – gain accredited qualifications, apprenticeships, and progression opportunities within a global organisation
• Flexible working hours
• Hybrid working – up to 2 days per week from home (dependent on role and business needs)
• Salary Sacrifice Schemes – Cycle to Work and Car Scheme available
• Enhanced Maternity & Paternity leave
• Generous annual leave entitlement
• Annual leave buy back scheme – purchase up to 5 additional days
• Discounted gym membership – stay healthy and save on fitness costs
• One paid volunteering day per year
• Wellbeing facilities – space to relax and recharge
• Free secure on-site parking
• Dress Down Fridays
• Free VDU eye test

What you’ll be doing:

• Assess the creditworthiness of new and existing customers using financial-statement analysis, credit-bureau data and payment performance
• Set, review and manage customer credit limits and monitor credit exposure across the portfolio
• Manage the trade credit insurance programme (limit applications, cover and claims), and obtain and manage guarantees and security as required
• Review and analyse aged debt, identify high-risk accounts and drive proactive action to mitigate loss
• Prepare monthly trade-debtor reconciliations, bad-debt provisions and risk reporting for management
• Maintain accurate credit, security and exposure records within ERP systems
• Support debt recovery and legal action against debtors where required
• Contribute to continuous improvement and wider Credit Management projects
• Provide support and cover across the Credit Control team when needed

This list is not exhaustive and may be added to or amended from time to time.

What we’re looking for:

• Genuine experience in credit risk analysis: assessing business-customer creditworthiness, managing exposure and credit limits
• Experience managing trade credit insurance and/or guarantees and security
• Strong financial-analysis skills, confident reviewing financial statements and credit data to inform decisions
• Strong Excel and analytical ability, with excellent attention to detail and accuracy
• Experience with accounting or ERP systems (SAP advantageous)
• Confident communicator who can build effective relationships and adapt to different audiences
• Proactive, organised, and able to manage competing priorities independently and as part of a team

Who is Cumberland Farms?

Cumberland Farms has a proud heritage dating back to 1939 and today is part of a global retail organization serving customers and communities across multiple markets including the U.S., U.K., Germany and Benelux.  With operations spanning convenience retail, foodservice, fuel, and other retail formats, our business is supported by a broad network of stores, sites, distribution operations, and support teams.

As our global organization transitions under the Cumberland Farms brand, our businesses, including those historically operating as EG Group, are coming together with shared values, capabilities, and a commitment to delivering exceptional experiences for our customers and colleagues.

Together, we are building on the strength and heritage of our businesses while creating a more connected global organization with a clear strategic direction and a continued focus on supporting our customers, colleagues, and communities across all the markets we serve.

Please note - the successful applicant will be subject to a DBS check which will be funded by EG Group.