The Company

Creditfix is the UK’s leading personal insolvency provider (both by clients under management and new originations), delivering tailored insolvency solutions, bespoke advice, and access to financial products to support customers on their journey to credit rehabilitation.

Creditfix boasts a strong track record of growth and is underpinned by a vertically integrated and diversified business model, with a sophisticated expertise across core platforms in lead origination, managed services, and client book acquisitions.

Since they first opened in 2007, Creditfix have helped more than 323k clients with their debt solutions restructuring c.£6bn of client debt.

Anyone can get into financial difficulty. In fact, many of us are just one life event away from serious money worries. That’s why Creditfix believe in treating every client with empathy, understanding and integrity. When they offer debt solutions, Creditfix tailors their support to a client’s personal circumstances, always with their clients’ best interests at heart with a Trust Pilot customer rating of 4.9 out of 5 stars.

Creditfix has c.700 employees operating across UK, Canada & Mauritius. They currently have a revenue of £100m with strong underlying EBITDA of £20m, and have c.176k clients under management.

The business has established their no.1 position in the industry through leveraging expertise in core platforms across customer acquisition, managed services and client book acquisitions;

• Leading case origination and management, drawing on insights realised from data and analytics built up over 10 years of payments history
• Well-invested technology and a focus on innovation has driven superior case conversion levels and high-volume processing capacity

The business has outstanding future prospects as they have positioned themselves well to be able to support strong client demand in an inflationary economic environment.

Mission

At Creditfix, their mission is to make sure everyone gets the best debt advice and solutions that fir their circumstances. They work endlessly to ensure they provide those struggling with debt the tools they need to deal with them, regardless of their situation.

Values

• Dynamic – Always looking for ways to improve our systems and processes to help reduce time and stress for clients
• Customer Focus – They always put the needs of our customers first and continue to do so as they support them on their journey out of debt
• Professional – They are trained to give the best advice and deliver it in an experienced and skilful manner
• Caring – They provide a friendly and compassionate ear for customers at a time when they need support

For more information on Creditfix please visit: https://www.creditfix.co.uk/

The Role

Job Title:                   Financial Controller

Reports to:                  CFO

Location:                     Office based, Glasgow City Centre

The Financial Controller position is an excellent opportunity for an individual to join a market leading, ambitious business, where the post-holder will take ownership of all financial reporting. The Financial Controller will manage and develop a small but growing finance function. The appointed individual will be responsible to ensure that we meet compliance and regulatory standards, monitor and manage accounts, be responsible for the financial reporting for the group, as well as lead, mentor and develop the team. The individual will be responsible for presenting the management accounts to board members and wider group stakeholders on a monthly basis as well as oversee the external audit cycle.

Main Duties and Responsibilities

• Managing a finance team consisting of 3 Management Accountants (including 1 based offshore), and in-directly overseeing 2 Accounts Assistants
• Responsibility for delivery of all financial reporting including management accounts, financial statements
• Preparing year end accounts
• Managing year-end audits
• Reviewing corporate tax and VAT returns
• Keeping up to date with technical accounting developments, providing support and advice to the finance team
• Managing the external audit process for full consolidated trading group and input into parent company audit
• Cashflow reporting
• Playing a leading role in current, and potential future, refinancing projects, including due diligence
• Managing and implementing improvements to financial control and procedures

The Individual

A summary of the key candidate requirements are as follows:

Essential Experience

• Qualified accountant (CA, ACCA)
• Ability to develop robust financial reporting and controls
• Relevant experience developing skills across a broad range of financial disciplines including, financial control and staff management
• Experience of consolidating accounts is essential
• Ability to manage and develop a small finance team
• Committed individual, displaying drive, and professionalism
• Able to engage with stakeholders at all levels
• Confident communicator at every level, with the ability to challenge where appropriate

Key Attributes and Behaviours

• Keen eye for detail; able to review processes, and suggest and drive improvements
• Ability to work in a fast-paced environment
• Able to plan and prioritise a diverse workload
• A desire to challenge and improve processes
• Relationship management

Remuneration

Salary:                         £Competitive, depending on experience

Holidays:                     29 days holiday (including English bank holidays + Scottish New Year), increasing by 3 days after 2 years continuous service

Professional Fees:       Paid

Pension:                      3% Employer Contribution

Working Hours:           Hours are 9am – 5pm Monday to Friday

Private Healthcare:     Vitality - For Individual or for Family

Life Assurance:           Individual or for Family

Annual Bonus:             Discretionary

For more information on remuneration please contact Jonathan Donnelly at Rutherford Cross.