Credit Risk Analyst

About the role 

Our Caerphilly office has an exciting opportunity in our Credit and Collections team for a Credit Risk Analyst to join the team.  Your primary role as a Credit Risk Analyst will be to help protect DS Smith’s investments by minimising bad debt and assisting the continued growth of the Group by maximising profitable sales. 

You’ll be responsible for setting and monitoring customer credit limits, maintaining customer master files, and making recommendations to key stakeholders in the wider business.

Other responsibilities will include:

• Analysing financial reports, payment history and sales information to support credit recommendations.

• Working with Credit and Collections team members and Finance colleagues throughout the UK to understand business priorities and challenges.

• Working with credit insurers and other 3rd parties to maximise available financial information, allowing us to make more informed commercial decisions.

• Monitoring exposure levels against agreed credit limits and acting in accordance with our credit policy.

• Supporting change in DS Smith, encouraging policy and process improvement in areas where we identify opportunity.

About you  

Minimum requirements

• Bachelors degree in a relevant subject

• Experience in a Credit Risk role

• Strong Credit Analysis experience is desirable, with the ability to review reports and make recommendations

• Advanced Excel skills

• Excellent communication skills with the ability to present to various stakeholders

• SAP and ERP (Navision) experience would be advantageous

Benefits

• Competitive salary

• Discretionary bonus based on team performance

• 25 days holiday, plus bank holidays 

• Pension scheme, life assurance and income protection

• Sharesave scheme

• Digital GP Service

• Employee assistance programme

• Cycle to work scheme

• Retail discounts

Location: Caerphilly - we operate a hybrid model, so you'll spend 3 days a week in the office and 2 at home as standard

About us

We’re DS Smith, the FTSE100 company who are redefining packaging for a changing world.  We believe a better, more sustainable tomorrow is possible with the right people, who challenge and support one another to enact positive change. Today, we operate in more than 30 different countries, proudly employing over 30,000 people, and supporting customers across sectors like FMCG, industrial, and e-commerce. We deliver on quality, service, innovation, and added value to deliver market-leading sustainable packaging solutions our customers need. Our industry needs to transform, and we’re building the team to drive change across Europe and North America. 

To fulfil our purpose of redefining packaging for a changing world, we aim to build a diverse, motivated, and engaged workforce. Our goal is to create a culture of inclusion where everyone is treated fairly, differences are valued, and everyone has an equal opportunity to succeed.  

Our people come from diverse backgrounds, bring different perspectives, ideas and experiences to generate unique solutions focused on present and future sustainability challenges. We welcome all candidates to apply, even those not meeting all criteria.